Capt. Joel Whitney House · Photo: Magicpiano · CC BY-SA 3.0Storms, floods and disasters in Phillips
Phillips isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Phillips yet. Flood insurance has paid 3 claims here since 2011.
What Phillips 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.
Does Phillips flood? Rarely: 3 flood claims since 2011
Every paid claim on a federal flood insurance policy in Phillips, from FEMA’s records.
- The December nor’easter2 claims · $35K
- Hurricane Irene1 claim · $28K
Phillips 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.16 federal disasters brought FEMA money to Phillips
Disasters that paid out in Phillips itself (aid to households or repair grants to the Town of Phillips), newest first, with that year’s flood claims.
- 2023Severe Storm and Flooding26 households applied for aid$178K aid approved$1.3M to the Town of Phillips for repairs
- 2023Severe Storm and Flooding$167K to the Town of Phillips for repairs
- 2022Severe Storm and Flooding$28K to the Town of Phillips for repairs
- 2017Severe Storm and Flooding$407K to the Town of Phillips for repairs
- 2011Tropical Storm Irene$42K to the Town of Phillips for repairs1 flood claim paid for it, $28K
- 2009Severe Storms, Flooding, and Landslides$250K to the Town of Phillips for repairs
Show all 16
- 2007Severe Storms and Inland and Coastal Flooding$34K to the Town of Phillips for repairs
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$4K to the Town of Phillips for repairs
- 2005Snow$9K to the Town of Phillips for repairs
- 2005Record And/or Near Record Snow$5K to the Town of Phillips for repairs
- 2003Snow$6K to the Town of Phillips for repairs
- 2003Severe Storms, Flooding, Snow Melt and Ice Jams$4K to the Town of Phillips for repairs
- 2003Snow$5K to the Town of Phillips for repairs
- 2001Severe Winter Storms and Flooding$3K to the Town of Phillips for repairs
- 2001Snow$7K to the Town of Phillips for repairs
- 2000Severe Storms, Flooding, and Ice Jams$10K to the Town of Phillips for repairs
Franklin County has had 29 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Phillips after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Phillips archive →Phillips and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Avon | — | 359 residents; we grade 1,000+ | |
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 Phillips 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 Phillips
Does Phillips flood?
Flood insurance has paid 3 claims in Phillips since 2011, $63K in all. The most claims came from December Nor'easter (2).
Is Phillips 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 Phillips?
FEMA’s Community Rating System list shows no discount for Phillips’ 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 Phillips?
By FEMA money that reached Phillips, Severe Storm and Flooding (2023): 26 households applied for aid, $178K approved, and $1.3M to the Town of Phillips for repairs. By flood claims, December Nor'easter: 2 paid, $35K.
Storm stories
Memories, warnings and help from neighbors in Phillips.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Phillips’ 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.