Fort Hill Rural Historic District · Photo: John Phelan · CC BY 3.0FEMA puts Eastham’s expected hazard damage per building below that of 72% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Eastham gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns, #164 of 283 in Massachusetts. Most of that expected damage is river and rain flooding (40%), then hurricanes (31%). Flood insurance has paid 64 claims here since 1978.
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 Eastham’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Eastham 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
Coastal flooding
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 Eastham’s grade
River and rain flooding is 40% of the building damage FEMA expects in Eastham, and Eastham’s rate of river and rain flooding damage is lower than 92% of U.S. census tracts. Coastal flooding adds 27%, at a rate in the top 1% of U.S. census tracts.
B+ #164 of 283 in Massachusetts; lower expected damage per building than 72% of U.S. towns (21,298).
Eastham’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Massachusetts town has lower expected damage than 76% of U.S. towns; within the state, Eastham has more expected damage per building than 58% of Massachusetts towns.
In dollars, FEMA expects about $2.1M a year in losses across Eastham: $2.1M to buildings, the rest to people and crops.
Does Eastham flood? Sometimes: 64 flood claims since 1978
Every paid claim on a federal flood insurance policy in Eastham, from FEMA’s records: 9.8 per 1,000 homes, more than 73% of the 13,809 U.S. towns with a flood insurance record.
- The “Halloween” storm8 claims · $131K
- The December Storm - nor’easter5 claims · $47K
Eastham is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Barnstable County.10 federal disasters brought FEMA money to Eastham
Disasters that paid out in Eastham itself (aid to households or repair grants to the Town of Eastham), newest first, with that year’s flood claims.
- 2018Severe Winter Storm and Flooding$36K to the Town of Eastham for repairs9 flood claims paid that year
- 2015Severe Winter Storm, Snowstorm, and Flooding$38K to the Town of Eastham for repairs1 flood claim paid that year
- 2013Severe Winter Storm, Snowstorm, and Flooding$67K to the Town of Eastham for repairs1 flood claim paid that year
- 2012Hurricane Sandy$17K to the Town of Eastham for repairs
- 2011Tropical Storm Irene$54K to the Town of Eastham for repairs
- 2010Hurricane Earl$21K to the Town of Eastham for repairs1 flood claim paid that year
Show all 10
- 2005Hurricane Katrina Evacuation$1K to the Town of Eastham for repairs
- 2005Record And/or Near Record Snow$26K to the Town of Eastham for repairs
- 2003Snow$6K to the Town of Eastham for repairs
- 2003Snow$9K to the Town of Eastham for repairs
Barnstable County has had 18 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Eastham after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eastham archive →Eastham and its neighbors
Eastham is 2nd of the 3 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 |
|---|---|---|---|
| Orleans | A−less damage than 78% | river and rain flooding | 52 |
| Eastham | B+less damage than 72% | river and rain flooding | 64 |
| Wellfleet | B−more damage than 52% | coastal flooding | 29 |
| North Eastham | — | a Census area inside a town; graded with the town | |
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 Eastham 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
- Eastham residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Eastham
Is Eastham at risk for natural disasters?
On FEMA’s National Risk Index, Eastham has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk, #164 of 283 in Massachusetts. Most of the expected damage is river and rain flooding (40%) and hurricanes (31%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Eastham flood?
Flood insurance has paid 64 claims in Eastham since 1978, $879K in all, or 9.8 per 1,000 homes, more than 73% of U.S. towns with a flood insurance record. 8 properties have flooded more than once. The most claims came from The "Halloween" Storm (8).
Is Eastham 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 Barnstable County, 40% of homes in mapped flood zones carry federal flood insurance, and 5.4% of all homes do.
How much is flood insurance in Eastham?
Eastham is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Eastham?
By FEMA money that reached Eastham, Severe Winter Storm, Snowstorm, and Flooding (2013): $67K to the Town of Eastham for repairs. By flood claims, The "Halloween" Storm: 8 paid, $131K.
Is Eastham at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (40%), and Eastham’s rate for it is lower than 92% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eastham.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eastham’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.