Stanley Tavern · Photo: User:Magicpiano · CC BY-SA 4.0FEMA puts Hopkinton’s expected hazard damage per building above that of 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hopkinton gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns, #97 of 126 in New Hampshire. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 3 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 Hopkinton 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 Hopkinton’s grade
River and rain flooding is 84% of the building damage FEMA expects in Hopkinton, and Hopkinton’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Ice storms add 2%, at a rate in the top 7% of U.S. census tracts.
C #97 of 126 in New Hampshire; higher expected damage per building than 75% of U.S. towns (21,298).
All of Hopkinton’s residents live in one census tract; the figures are that tract’s.
The typical New Hampshire town has higher expected damage than 58% of U.S. towns; within the state, Hopkinton has more expected damage per building than 77% of New Hampshire towns.
In dollars, FEMA expects about $2.6M a year in losses across Hopkinton: $2.2M to buildings, the rest to people and crops.
Does Hopkinton flood? Rarely: 3 flood claims since 1987
Every paid claim on a federal flood insurance policy in Hopkinton, from FEMA’s records: 1.3 per 1,000 homes, fewer than 73% of the 13,809 U.S. towns with a flood insurance record.
Hopkinton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Merrimack County.9 federal disasters brought FEMA money to Hopkinton
Disasters that paid out in Hopkinton itself (aid to households or repair grants to the Town of Hopkinton), newest first, with that year’s flood claims.
- 2013Severe Winter Storm and Snowstorm$33K to the Town of Hopkinton for repairs1 flood claim paid that year
- 2008Severe Winter Storm$51K to the Town of Hopkinton for repairs1 flood claim paid that year
- 2007Severe Storms and Flooding$38K to the Town of Hopkinton for repairs
- 2006Severe Storms and Flooding8 households applied for aid$17K aid approved$34K to the Town of Hopkinton for repairs
- 2005Severe Storms and Flooding$19K to the Town of Hopkinton for repairs
- 2005Record And/or Near Record Snow$12K to the Town of Hopkinton for repairs
Show all 9
- 2003Snow$15K to the Town of Hopkinton for repairs
- 2003Snow$12K to the Town of Hopkinton for repairs
- 2001Snow$13K to the Town of Hopkinton for repairs
Merrimack County has had 24 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 Hopkinton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hopkinton archive →Hopkinton and its neighbors
Hopkinton is 6th of the 8 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 |
|---|---|---|---|
| Dunbarton | A−less damage than 76% | river and rain flooding | — |
| Bow | Bless damage than 62% | river and rain flooding | 7 |
| Concord | B−less damage than 51% | river and rain flooding | 24 |
| Henniker | C+more damage than 62% | river and rain flooding | 1 |
| Weare | Cmore damage than 66% | river and rain flooding | 7 |
| Hopkinton | Cmore damage than 75% | river and rain flooding | 3 |
| Warner | C−more damage than 82% | river and rain flooding | 6 |
| Webster | C−more damage than 82% | river and rain flooding | — |
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 Hopkinton 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 Hopkinton
Is Hopkinton at risk for natural disasters?
On FEMA’s National Risk Index, Hopkinton has higher expected damage per building than 75% of U.S. towns: C for hazard risk, #97 of 126 in New Hampshire. Most of the expected damage is river and rain flooding (84%) and hurricanes (9%). 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 Hopkinton flood?
Flood insurance has paid 3 claims in Hopkinton since 1987, $25K in all, or 1.3 per 1,000 homes, fewer than 73% of U.S. towns with a flood insurance record.
Is Hopkinton 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 Merrimack County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Hopkinton?
FEMA’s Community Rating System list shows no discount for Hopkinton’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 Hopkinton?
By FEMA money that reached Hopkinton, Severe Winter Storm (2008): $51K to the Town of Hopkinton for repairs.
Is Hopkinton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Hopkinton’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hopkinton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hopkinton’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.