Photo: John Phelan · CC BY 3.0Less hazard damage per building is expected in Millis than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Millis gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #123 of 283 in Massachusetts. Most of that expected damage is river and rain flooding (80%), then hurricanes (11%). Flood insurance has paid 10 claims here since 1979.
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 Millis 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 Millis’ grade
River and rain flooding is 80% of the building damage FEMA expects in Millis, and Millis’ rate of river and rain flooding damage is lower than 59% of U.S. census tracts. Next is hurricanes at 11% (higher than 79% of U.S. census tracts).
A− #123 of 283 in Massachusetts; lower expected damage per building than 80% of U.S. towns (21,298).
Millis’ 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, Millis has less expected damage per building than 57% of Massachusetts towns.
In dollars, FEMA expects about $1.7M a year in losses across Millis: $1.5M to buildings, the rest to people and crops.
Does Millis flood? Sometimes: 10 flood claims since 1979
Every paid claim on a federal flood insurance policy in Millis, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
- The December nor’easter1 claim · $5K
Millis isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Norfolk County.11 federal disasters brought FEMA money to Millis
Disasters that paid out in Millis itself (aid to households or repair grants to the Town of Millis), newest first, with that year’s flood claims.
- 2022Severe Winter Storm and Snowstorm$93K to the Town of Millis for repairs
- 2018Severe Winter Storm and Snowstorm$82K to the Town of Millis for repairs
- 2015Severe Winter Storm, Snowstorm, and Flooding$89K to the Town of Millis for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$88K to the Town of Millis for repairs
- 2011Tropical Storm Irene$80K to the Town of Millis for repairs
- 2011Severe Winter Storm and Snowstorm$43K to the Town of Millis for repairs
Show all 11
- 2010Severe Storms and Flooding49 households applied for aid$55K aid approved$198K to the Town of Millis for repairs
- 2005Record And/or Near Record Snow$47K to the Town of Millis for repairs
- 2003Snow$32K to the Town of Millis for repairs
- 2003Snow$28K to the Town of Millis for repairs
- 2001Snow$31K to the Town of Millis for repairs
Norfolk County has had 29 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 Millis after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Millis archive →Millis and its neighbors
Millis is 5th 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 |
|---|---|---|---|
| Norfolk | Aless damage than 90% | river and rain flooding | 36 |
| Sherborn | Aless damage than 90% | river and rain flooding | 5 |
| Medfield | A−less damage than 83% | river and rain flooding | 5 |
| Holliston | A−less damage than 80% | river and rain flooding | 21 |
| Millis | A−less damage than 80% | river and rain flooding | 10 |
| Medway | B+less damage than 71% | river and rain flooding | 6 |
| Millis-Clicquot | — | 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 Millis 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 Millis
Is Millis at risk for natural disasters?
On FEMA’s National Risk Index, Millis has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #123 of 283 in Massachusetts. Most of the expected damage is river and rain flooding (80%) and hurricanes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Millis flood?
Flood insurance has paid 10 claims in Millis since 1979, $20K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from December Nor'easter (1).
Is Millis 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 Norfolk County, 43% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.
How much is flood insurance in Millis?
FEMA’s Community Rating System list shows no discount for Millis’ 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 Millis?
By FEMA money that reached Millis, Severe Storms and Flooding (2010): 49 households applied for aid, $55K approved, and $198K to the Town of Millis for repairs. By flood claims, December Nor'easter: 1 paid, $5K.
Is Millis at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Millis’ rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Millis.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Millis’ 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.