Ten Pound Island Light · Photo: Unitzebra3 at en.wikipedia · Public domainFEMA puts Manchester-by-the-Sea’s expected hazard damage per building below that of 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Manchester-by-the-Sea gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns, #77 of 283 in Massachusetts. Most of that expected damage is river and rain flooding (61%), then coastal flooding (14%). Flood insurance has paid 84 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 Manchester-by-the-Sea’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Manchester-by-the-Sea 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
Coastal 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 Manchester-by-the-Sea’s grade
River and rain flooding is 61% of the building damage FEMA expects in Manchester-by-the-Sea, and Manchester-by-the-Sea’s rate of river and rain flooding damage is lower than 83% of U.S. census tracts. Coastal flooding adds 14%, at a rate in the top 2% of U.S. census tracts.
A #77 of 283 in Massachusetts; lower expected damage per building than 86% of U.S. towns (21,298).
All of Manchester-by-the-Sea’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, Manchester-by-the-Sea has less expected damage per building than 73% of Massachusetts towns.
In dollars, FEMA expects about $1.5M a year in losses across Manchester-by-the-Sea: $1.4M to buildings, the rest to people and crops.
Does Manchester-by-the-Sea flood? Sometimes: 84 flood claims since 1978
Every paid claim on a federal flood insurance policy in Manchester-by-the-Sea, from FEMA’s records: 37.7 per 1,000 homes, more than 90% of the 13,809 U.S. towns with a flood insurance record.
- The “Halloween” storm21 claims · $474K
- The December Storm - nor’easter5 claims · $54K
Manchester-by-the-Sea isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Essex County.12 federal disasters brought FEMA money to Manchester-by-the-Sea
Disasters that paid out in Manchester-by-the-Sea itself (aid to households or repair grants to the Town of Manchester-by-the-Sea), newest first, with that year’s flood claims.
- 2018Severe Winter Storm and Snowstorm$28K to the Town of Manchester-by-the-Sea for repairs
- 2018Severe Winter Storm and Flooding$767K to the Town of Manchester-by-the-Sea for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$50K to the Town of Manchester-by-the-Sea for repairs1 flood claim paid that year
- 2011Severe Winter Storm and Snowstorm$49K to the Town of Manchester-by-the-Sea for repairs
- 2010Severe Storms and Flooding$61K to the Town of Manchester-by-the-Sea for repairs
- 2007Severe Storms and Inland and Coastal Flooding$101K to the Town of Manchester-by-the-Sea for repairs2 flood claims paid that year
Show all 12
- 2006Severe Storms and Flooding$35K to the Town of Manchester-by-the-Sea for repairs18 flood claims paid that year
- 2005Record And/or Near Record Snow$52K to the Town of Manchester-by-the-Sea for repairs
- 2004Flooding1 households applied for aid$10K aid approved
- 2003Snow$33K to the Town of Manchester-by-the-Sea for repairs
- 2003Snow$19K to the Town of Manchester-by-the-Sea for repairs
- 2001Snow$21K to the Town of Manchester-by-the-Sea for repairs9 flood claims paid that year
Essex County has had 32 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Manchester-by-the-Sea after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Manchester-by-the-Sea archive →Manchester-by-the-Sea and its neighbors
Manchester-by-the-Sea is 4th of the 6 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 |
|---|---|---|---|
| Wenham | A+less damage than 97% | river and rain flooding | 1 |
| Beverly | Aless damage than 94% | river and rain flooding | 112 |
| Hamilton | Aless damage than 93% | river and rain flooding | 9 |
| Manchester-by-the-Sea | Aless damage than 86% | river and rain flooding | 84 |
| Gloucester | B+less damage than 70% | coastal flooding | 322 |
| Essex | Cmore damage than 67% | coastal flooding | 85 |
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 Manchester-by-the-Sea 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.
- 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.
- 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 Manchester-by-the-Sea
Is Manchester-by-the-Sea at risk for natural disasters?
On FEMA’s National Risk Index, Manchester-by-the-Sea has lower expected damage per building than 86% of U.S. towns: A for hazard risk, #77 of 283 in Massachusetts. Most of the expected damage is river and rain flooding (61%) and coastal flooding (14%). 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 Manchester-by-the-Sea flood?
Flood insurance has paid 84 claims in Manchester-by-the-Sea since 1978, $2.1M in all, or 37.7 per 1,000 homes, more than 90% of U.S. towns with a flood insurance record. 22 properties have flooded more than once. The most claims came from The "Halloween" Storm (21).
Is Manchester-by-the-Sea 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 Essex County, 58% of homes in mapped flood zones carry federal flood insurance, and 2.8% of all homes do.
How much is flood insurance in Manchester-by-the-Sea?
FEMA’s Community Rating System list shows no discount for Manchester-by-the-Sea’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 Manchester-by-the-Sea?
By FEMA money that reached Manchester-by-the-Sea, Severe Winter Storm and Flooding (2018): $767K to the Town of Manchester-by-the-Sea for repairs. By flood claims, The "Halloween" Storm: 21 paid, $474K.
Is Manchester-by-the-Sea at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Manchester-by-the-Sea’s rate for it is lower than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Manchester-by-the-Sea.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Manchester-by-the-Sea’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.