Photo: John Phelan · CC BY-SA 4.0Less hazard damage per building is expected in Boxborough than in 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Boxborough gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns, #21 of 283 in Massachusetts. Most of that expected damage is river and rain flooding (74%), then hurricanes (13%). FEMA’s files show no paid flood insurance claims here.
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 Boxborough 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
Earthquakes
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 Boxborough’s grade
River and rain flooding is 74% of the building damage FEMA expects in Boxborough, and Boxborough’s rate of river and rain flooding damage is lower than 82% of U.S. census tracts. Ice storms add 4%, at a rate in the top 8% of U.S. census tracts.
A #21 of 283 in Massachusetts; lower expected damage per building than 94% of U.S. towns (21,298).
All of Boxborough’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, Boxborough has less expected damage per building than 93% of Massachusetts towns.
In dollars, FEMA expects about $1.1M a year in losses across Boxborough: $956K to buildings, the rest to people and crops.
Does Boxborough flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Boxborough. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Boxborough isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Middlesex County.13 federal disasters brought FEMA money to Boxborough
Disasters that paid out in Boxborough itself (aid to households or repair grants to the Town of Boxborough), newest first, with that year’s flood claims.
- 2018Severe Winter Storm and Snowstorm$25K to the Town of Boxborough for repairs
- 2015Severe Winter Storm, Snowstorm, and Flooding$38K to the Town of Boxborough for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$24K to the Town of Boxborough for repairs
- 2011Severe Storm and Snowstorm$68K to the Town of Boxborough for repairs
- 2011Hurricane Irene$10K to the Town of Boxborough for repairs
- 2011Severe Winter Storm and Snowstorm$19K to the Town of Boxborough for repairs
Show all 13
- 2010Severe Storms and Flooding26 households applied for aid$28K aid approved
- 2008Severe Winter Storm and Flooding$43K to the Town of Boxborough for repairs
- 2006Severe Storms and Flooding1 households applied for aid$874 aid approved
- 2005Record And/or Near Record Snow$17K to the Town of Boxborough for repairs
- 2003Snow$13K to the Town of Boxborough for repairs
- 2003Snow$9K to the Town of Boxborough for repairs
- 2001Snow$11K to the Town of Boxborough for repairs
Middlesex County has had 27 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Boxborough after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Boxborough archive →Boxborough and its neighbors
Boxborough has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Boxborough | Aless damage than 94% | river and rain flooding | 0 |
| Littleton | Aless damage than 93% | river and rain flooding | 12 |
| Harvard | Aless damage than 90% | river and rain flooding | — |
| Acton | A−less damage than 84% | river and rain flooding | 35 |
| Stow | A−less damage than 83% | river and rain flooding | — |
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 Boxborough 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Boxborough
Is Boxborough at risk for natural disasters?
On FEMA’s National Risk Index, Boxborough has lower expected damage per building than 94% of U.S. towns: A for hazard risk, #21 of 283 in Massachusetts. Most of the expected damage is river and rain flooding (74%) and hurricanes (13%). 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.
Is Boxborough 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 Middlesex County, 54% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Boxborough?
FEMA’s Community Rating System list shows no discount for Boxborough’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 Boxborough?
By FEMA money that reached Boxborough, Severe Storm and Snowstorm (2011): $68K to the Town of Boxborough for repairs.
Is Boxborough at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Boxborough’s rate for it is lower than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Boxborough.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Boxborough’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.