Photo: Pvmoutside at English Wikipedia · Public domainLess hazard damage per building is expected in Barre than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Barre gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #198 of 283 in Massachusetts. Most of that expected damage is river and rain flooding (74%), then hurricanes (17%). Flood insurance has paid 2 claims here since 2005.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Barre’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Barre faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Barre’s grade
River and rain flooding is 74% of the building damage FEMA expects in Barre, and Barre’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Ice storms add 2%, at a rate in the top 9% of U.S. census tracts.
B #198 of 283 in Massachusetts; lower expected damage per building than 62% of U.S. towns (21,298).
All of Barre’s residents live in one census tract; the figures are that tract’s.
The typical Massachusetts town has lower expected damage than 76% of U.S. towns; within the state, Barre has more expected damage per building than 70% of Massachusetts towns.
In dollars, FEMA expects about $1.2M a year in losses across Barre: $975K to buildings, the rest to people and crops.
Does Barre flood? Rarely: 2 flood claims since 2005
Every paid claim on a federal flood insurance policy in Barre, from FEMA’s records: 0.9 per 1,000 homes, fewer than 81% of the 13,809 U.S. towns with a flood insurance record.
Barre isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Worcester County.10 federal disasters brought FEMA money to Barre
Disasters that paid out in Barre itself (aid to households or repair grants to the Town of Barre), newest first, with that year’s flood claims.
- 2015Severe Winter Storm, Snowstorm, and Flooding$45K to the Town of Barre for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$29K to the Town of Barre for repairs
- 2011Severe Storm and Snowstorm$33K to the Town of Barre for repairs
- 2011Hurricane Irene$17K to the Town of Barre for repairs
- 2008Severe Winter Storm and Flooding$542K to the Town of Barre for repairs
- 2005Severe Storms and Flooding1 households applied for aid$2K aid approved$11K to the Town of Barre for repairs
Show all 10
- 2005Record And/or Near Record Snow$19K to the Town of Barre for repairs
- 2003Snow$14K to the Town of Barre for repairs
- 2003Snow$11K to the Town of Barre for repairs
- 2001Snow$11K to the Town of Barre for repairs
Worcester County has had 27 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Barre after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Barre archive →Barre and its neighbors
Barre is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Rutland | Aless damage than 92% | river and rain flooding | — |
| Hubbardston | Aless damage than 89% | river and rain flooding | — |
| Oakham | A−less damage than 81% | river and rain flooding | 1 |
| Barre | Bless damage than 62% | river and rain flooding | 2 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Barre faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Barre
Is Barre at risk for natural disasters?
On FEMA’s National Risk Index, Barre has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #198 of 283 in Massachusetts. Most of the expected damage is river and rain flooding (74%) and hurricanes (17%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Barre flood?
Flood insurance has paid 2 claims in Barre since 2005, $6K in all, or 0.9 per 1,000 homes, fewer than 81% of U.S. towns with a flood insurance record.
Is Barre in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Worcester County, 65% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Barre?
FEMA’s Community Rating System list shows no discount for Barre’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Barre?
By FEMA money that reached Barre, Severe Winter Storm and Flooding (2008): $542K to the Town of Barre for repairs.
Is Barre at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Barre’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Barre.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Barre’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.