Photo: ToddC4176 · CC BY-SA 3.0More hazard damage per building is expected in Whately than in 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Whately gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 3 claims here since 2005.
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 Whately 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 Whately’s grade
River and rain flooding is 85% of the building damage FEMA expects in Whately, and Whately’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Ice storms add 2%, at a rate in the top 9% of U.S. census tracts.
C+ higher expected damage per building than 64% of U.S. towns (21,298).
All of Whately’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $686K a year in losses across Whately: $505K to buildings, the rest to people and crops.
Does Whately flood? Rarely: 3 flood claims since 2005
Every paid claim on a federal flood insurance policy in Whately, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.
Whately isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Franklin County.8 federal disasters brought FEMA money to Whately
Disasters that paid out in Whately itself (aid to households or repair grants to the Town of Whately), newest first, with that year’s flood claims.
- 2013Severe Winter Storm, Snowstorm, and Flooding$9K to the Town of Whately for repairs
- 2011Severe Storm and Snowstorm$4K to the Town of Whately for repairs
- 2011Tropical Storm Irene$4K to the Town of Whately for repairs
- 2007Severe Storms and Inland and Coastal Flooding$2K to the Town of Whately for repairs
- 2005Record And/or Near Record Snow$6K to the Town of Whately for repairs1 flood claim paid that year
- 2003Snow$4K to the Town of Whately for repairs
Show all 8
- 2003Snow$5K to the Town of Whately for repairs
- 2001Snow$5K to the Town of Whately for repairs
Franklin County has had 16 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 Whately after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Whately archive →Whately and its neighbors
Whately 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 |
|---|---|---|---|
| Deerfield | B+less damage than 65% | river and rain flooding | 10 |
| Conway | B−more damage than 51% | river and rain flooding | 5 |
| Hatfield | C+more damage than 61% | river and rain flooding | 3 |
| Sunderland | C+more damage than 64% | river and rain flooding | 3 |
| Whately | C+more damage than 64% | river and rain flooding | 3 |
| Williamsburg | C+more damage than 64% | river and rain flooding | 7 |
| South Deerfield | — | 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 Whately 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 Whately
Is Whately at risk for natural disasters?
On FEMA’s National Risk Index, Whately has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (85%) and hurricanes (8%). 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 Whately flood?
Flood insurance has paid 3 claims in Whately since 2005, $18K in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record.
Is Whately 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 Franklin County, 0.7% of all homes carry federal flood insurance.
How much is flood insurance in Whately?
FEMA’s Community Rating System list shows no discount for Whately’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 Whately?
By FEMA money that reached Whately, Severe Winter Storm, Snowstorm, and Flooding (2013): $9K to the Town of Whately for repairs.
Is Whately at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Whately’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Whately.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Whately’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.