Photo: John Phelan · CC BY 3.0On FEMA’s figures, Westhampton faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Westhampton gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (82%), then hurricanes (11%). FEMA’s files show no paid flood insurance claims here.
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 Westhampton 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 Westhampton’s grade
River and rain flooding is 82% of the building damage FEMA expects in Westhampton, and Westhampton’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Next is hurricanes at 11% (higher than 82% of U.S. census tracts).
B lower expected damage per building than 58% of U.S. towns (21,298).
All of Westhampton’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $384K a year in losses across Westhampton: $325K to buildings, the rest to people and crops.
Does Westhampton flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Westhampton. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Westhampton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hampshire County.10 federal disasters brought FEMA money to Westhampton
Disasters that paid out in Westhampton itself (aid to households or repair grants to the Town of Westhampton), newest first, with that year’s flood claims.
- 2013Severe Winter Storm, Snowstorm, and Flooding$16K to the Town of Westhampton for repairs
- 2011Severe Storm and Snowstorm$19K to the Town of Westhampton for repairs
- 2011Tropical Storm Irene$21K to the Town of Westhampton for repairs
- 2011Severe Winter Storm and Snowstorm$12K to the Town of Westhampton for repairs
- 2008Severe Winter Storm and Flooding$35K to the Town of Westhampton for repairs
- 2007Severe Storms and Inland and Coastal Flooding$69K to the Town of Westhampton for repairs
Show all 10
- 2005Record And/or Near Record Snow$10K to the Town of Westhampton for repairs
- 2003Snow$6K to the Town of Westhampton for repairs
- 2003Snow$8K to the Town of Westhampton for repairs
- 2001Snow$5K to the Town of Westhampton for repairs
Hampshire County has had 17 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Westhampton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Westhampton archive →Westhampton and its neighbors
Westhampton is 2nd of the 2 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 |
|---|---|---|---|
| Southampton | B+less damage than 70% | river and rain flooding | 5 |
| Westhampton | Bless damage than 58% | river and rain flooding | 0 |
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 Westhampton 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 Westhampton
Is Westhampton at risk for natural disasters?
On FEMA’s National Risk Index, Westhampton has lower expected damage per building than 58% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (82%) and hurricanes (11%). 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.
Is Westhampton 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 Hampshire County, 0.8% of all homes carry federal flood insurance.
How much is flood insurance in Westhampton?
FEMA’s Community Rating System list shows no discount for Westhampton’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 Westhampton?
By FEMA money that reached Westhampton, Severe Storms and Inland and Coastal Flooding (2007): $69K to the Town of Westhampton for repairs.
Is Westhampton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Westhampton’s rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Westhampton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Westhampton’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.