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Sagamore Bridge, Sagamore MAPhoto: John Phelan · CC BY 3.0
–Not graded
Natural hazards in Sagamore · FEMA

Storms, floods and disasters in Sagamore

Sagamore isn’t graded for hazard risk: Sagamore is a Census area inside a town, graded with the town. Flood insurance has paid 4 claims here since 2005.

Flood claims
4
paid since 2005 · $24K
Disasters paid out here
0
of 18 declared for Barnstable County
By hazard

What Sagamore 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

61%of expected building damage
Below average · lower than 78% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

31%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about once every 7 years in the area
Smaller shares here
 Coastal flooding Earthquakes Hail Tornadoes Strong wind Lightning Ice storms Wildfire Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
AvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Sagamore flood? Rarely: 4 flood claims since 2005

Every paid claim on a federal flood insurance policy in Sagamore, from FEMA’s records.

Paid flood claims, by year
2005: 1 claim2006: 2 claims2007: 0 claims2008: 0 claims2009: 1 claim2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims200520062009
20052026
4
paid claims since 2005
$24K
paid to owners
0
homes flooded more than once
$6K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Sagamore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Barnstable County.
Disasters

The storms Sagamore remembers

None of the 18 disasters declared for Barnstable County shows FEMA aid or repair money reaching Sagamore itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20062 flood claims paidNo declaration for the county that year
  2. 20051 flood claims paidThe year of Record And/or Near Record Snow, declared for Barnstable County
  3. 20091 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in SagamoreBarnstable County only

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.

Were you here?

Old photos of Sagamore after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Sagamore archive →
Next door

Sagamore and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Bourne: hazard risk B+Sandwich: hazard risk B−Plymouth: hazard risk ABourneSandwichPlymouthSagamore
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
PlymouthAless damage than 91%river and rain flooding334
BourneB+less damage than 68%river and rain flooding396
SandwichB−less damage than 54%river and rain flooding169

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.

Be ready

Get ready for what Sagamore faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Sagamore

Does Sagamore flood?

Flood insurance has paid 4 claims in Sagamore since 2005, $24K in all.

Is Sagamore 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 Sagamore?

FEMA’s Community Rating System list shows no discount for Sagamore’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Sagamore.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sagamore’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.