Photo: Unknown authorUnknown author · Public domainOn FEMA’s figures, Deering faces more hazard damage per building than 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Deering gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (82%), then hurricanes (11%). Flood insurance has paid 6 claims here since 1987.
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 Deering 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 Deering’s grade
River and rain flooding is 82% of the building damage FEMA expects in Deering, and Deering’s rate of river and rain flooding damage is higher than 77% 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 66% of U.S. towns (21,298).
All of Deering’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $608K a year in losses across Deering: $534K to buildings, the rest to people and crops.
Does Deering flood? Rarely: 6 flood claims since 1987
Every paid claim on a federal flood insurance policy in Deering, from FEMA’s records: 6.4 per 1,000 homes, more than 65% of the 13,809 U.S. towns with a flood insurance record.
Deering isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hillsborough County.14 federal disasters brought FEMA money to Deering
Disasters that paid out in Deering itself (aid to households or repair grants to the Town of Deering), newest first, with that year’s flood claims.
- 2015Severe Winter Storm and Snowstorm$14K to the Town of Deering for repairs
- 2013Severe Winter Storm and Snowstorm$16K to the Town of Deering for repairs
- 2012Hurricane Sandy$10K to the Town of Deering for repairs
- 2011Severe Storm and Snowstorm$9K to the Town of Deering for repairs
- 2011Hurricane Irene$3K to the Town of Deering for repairs
- 2008Severe Winter Storm$42K to the Town of Deering for repairs
Show all 14
- 2007Severe Storms and Flooding7 households applied for aid$14K aid approved$150K to the Town of Deering for repairs3 flood claims paid that year
- 2006Severe Storms and Flooding2 households applied for aid$4K aid approved$14K to the Town of Deering for repairs
- 2005Severe Storms and Flooding2 households applied for aid$489 aid approved$2K to the Town of Deering for repairs
- 2005Record Snow$6K to the Town of Deering for repairs
- 2005Record And/or Near Record Snow$7K to the Town of Deering for repairs
- 2003Snow$9K to the Town of Deering for repairs
- 2003Snow$7K to the Town of Deering for repairs
- 2001Snow$8K to the Town of Deering for repairs
Hillsborough County has had 26 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Deering after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Deering archive →Deering and its neighbors
Deering 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 |
|---|---|---|---|
| Antrim | B−more damage than 54% | river and rain flooding | 1 |
| Bennington | Cmore damage than 66% | river and rain flooding | 7 |
| Francestown | Cmore damage than 66% | river and rain flooding | 11 |
| Weare | Cmore damage than 66% | river and rain flooding | 7 |
| Deering | Cmore damage than 66% | river and rain flooding | 6 |
| Hillsborough | Cmore damage than 73% | river and rain flooding | 30 |
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 Deering 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 Deering
Is Deering at risk for natural disasters?
On FEMA’s National Risk Index, Deering has higher expected damage per building than 66% of U.S. towns: C 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.
Does Deering flood?
Flood insurance has paid 6 claims in Deering since 1987, $30K in all, or 6.4 per 1,000 homes, more than 65% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Deering 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 Hillsborough County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Deering?
FEMA’s Community Rating System list shows no discount for Deering’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 Deering?
By FEMA money that reached Deering, Severe Storms and Flooding (2007): 7 households applied for aid, $14K approved, and $150K to the Town of Deering for repairs.
Is Deering at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Deering’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Deering.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Deering’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.