Birchwood Inn · Photo: User:Magicpiano · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Temple as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Temple gets a B for hazard risk: lower expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (73%), then hurricanes (16%). 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 Temple 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 Temple’s grade
River and rain flooding is 73% of the building damage FEMA expects in Temple, and Temple’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Ice storms add 3%, at a rate in the top 7% of U.S. census tracts.
B lower expected damage per building than 59% of U.S. towns (21,298).
All of Temple’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $368K a year in losses across Temple: $314K to buildings, the rest to people and crops.
Does Temple flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Temple. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Temple 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.9 federal disasters brought FEMA money to Temple
Disasters that paid out in Temple itself (aid to households or repair grants to the Town of Temple), newest first, with that year’s flood claims.
- 2015Severe Winter Storm and Snowstorm$4K to the Town of Temple for repairs
- 2013Severe Winter Storm and Snowstorm$10K to the Town of Temple for repairs
- 2011Severe Storm and Snowstorm$7K to the Town of Temple for repairs
- 2008Severe Winter Storm$116K to the Town of Temple for repairs
- 2007Severe Storms and Flooding1 households applied for aid$3K aid approved$82K to the Town of Temple for repairs
- 2006Severe Storms and Flooding1 households applied for aid$874 aid approved
Show all 9
- 2005Severe Storms and Flooding$6K to the Town of Temple for repairs
- 2005Record Snow$12K to the Town of Temple for repairs
- 2005Record And/or Near Record Snow$13K to the Town of Temple 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 Temple after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Temple archive →Temple and its neighbors
Temple has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Temple | Bless damage than 59% | river and rain flooding | 0 |
| New Ipswich | Bless damage than 58% | river and rain flooding | 1 |
| Lyndeborough | B−more damage than 50% | river and rain flooding | — |
| Peterborough | C−more damage than 80% | river and rain flooding | 33 |
| Wilton | C−more damage than 83% | river and rain flooding | 5 |
| Sharon | — | 442 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 Temple 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 Temple
Is Temple at risk for natural disasters?
On FEMA’s National Risk Index, Temple has lower expected damage per building than 59% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (73%) and hurricanes (16%). 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 Temple 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 Temple?
FEMA’s Community Rating System list shows no discount for Temple’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 Temple?
By FEMA money that reached Temple, Severe Winter Storm (2008): $116K to the Town of Temple for repairs.
Is Temple at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Temple’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Temple.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Temple’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.