Photo: Nick Allen · CC BY-SA 4.0FEMA puts Leominster’s expected hazard damage per building below that of 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Leominster gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns, #102 of 283 in Massachusetts. Most of that expected damage is river and rain flooding (66%), then hurricanes (22%). Flood insurance has paid 53 claims here since 1982.
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 Leominster’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Leominster 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 Leominster’s grade
River and rain flooding is 66% of the building damage FEMA expects in Leominster, and Leominster’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Ice storms add 3%, at a rate in the top 9% of U.S. census tracts.
A− #102 of 283 in Massachusetts; lower expected damage per building than 83% of U.S. towns (21,298).
Leominster’s residents live in 10 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, Leominster has less expected damage per building than 64% of Massachusetts towns.
In dollars, FEMA expects about $7.8M a year in losses across Leominster: $6.6M to buildings, the rest to people and crops.
Does Leominster flood? Sometimes: 53 flood claims since 1982
Every paid claim on a federal flood insurance policy in Leominster, from FEMA’s records: 2.8 per 1,000 homes, fewer than 54% of the 13,809 U.S. towns with a flood insurance record.
- The April 2007 nor’easter5 claims · $40K
- The March 2010 nor’easter1 claim · $5K
Leominster 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.14 federal disasters brought FEMA money to Leominster
Disasters that paid out in Leominster itself (aid to households or repair grants to the City of Leominster), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding828 households applied for aid$4.8M aid approved28 flood claims paid that year
- 2018Severe Winter Storm and Snowstorm$179K to the City of Leominster for repairs1 flood claim paid that year
- 2015Severe Winter Storm, Snowstorm, and Flooding$147K to the City of Leominster for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$159K to the City of Leominster for repairs
- 2011Severe Storm and Snowstorm$667K to the City of Leominster for repairs
- 2011Hurricane Irene$25K to the City of Leominster for repairs
Show all 14
- 2010Severe Storms and Flooding79 households applied for aid$95K aid approved$123K to the City of Leominster for repairs2 flood claims paid that year
- 2008Severe Winter Storm and Flooding$2.5M to the City of Leominster for repairs
- 2005Severe Storms and Flooding$8K to the City of Leominster for repairs
- 2005Record And/or Near Record Snow$126K to the City of Leominster for repairs
- 2004Flooding12 households applied for aid$13K aid approved2 flood claims paid that year
- 2003Snow$90K to the City of Leominster for repairs
- 2003Snow$90K to the City of Leominster for repairs
- 2001Snow$98K to the City of Leominster for repairs2 flood claims paid that year
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 Leominster after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Leominster archive →Leominster and its neighbors
Leominster is 3rd of the 5 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 |
|---|---|---|---|
| Princeton | Aless damage than 87% | river and rain flooding | 1 |
| Lunenburg | Aless damage than 85% | river and rain flooding | 1 |
| Leominster | A−less damage than 83% | river and rain flooding | 53 |
| Lancaster | A−less damage than 82% | river and rain flooding | 31 |
| Fitchburg | Bless damage than 56% | river and rain flooding | 29 |
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 Leominster 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 Leominster
Is Leominster at risk for natural disasters?
On FEMA’s National Risk Index, Leominster has lower expected damage per building than 83% of U.S. towns: A− for hazard risk, #102 of 283 in Massachusetts. Most of the expected damage is river and rain flooding (66%) and hurricanes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Leominster flood?
Flood insurance has paid 53 claims in Leominster since 1982, $2.0M in all, or 2.8 per 1,000 homes, fewer than 54% of U.S. towns with a flood insurance record. 6 properties have flooded more than once. The most claims came from April 2007 Nor'easter (5).
Is Leominster 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 Leominster?
FEMA’s Community Rating System list shows no discount for Leominster’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 Leominster?
By FEMA money that reached Leominster, Severe Storms and Flooding (2023): 828 households applied for aid, $4.8M approved. By flood claims, April 2007 Nor'easter: 5 paid, $40K.
Is Leominster at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Leominster’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Leominster.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Leominster’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.