Photo: Chipstata · Public domain

–Not graded

Natural hazards in Warren · FEMA

Storms, floods and disasters in Warren

Warren isn’t graded for hazard risk: Warren has 942 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 1992.

Flood claims

paid since 1992 · $21K

Disasters paid out here

of 34 declared for Grafton County

By hazard

What Warren 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

96%of expected building damage

Well above average · in the top 2% of U.S. census tracts

Recorded about 4 times a year in the area

Smaller shares here

Hurricanes Earthquakes Ice storms Strong wind Winter storms Tornadoes Landslides top 2% Lightning Hail Wildfire Cold waves Heat waves Avalanches top 1%

FEMA models no building damage here

Coastal floodingTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Warren flood? Rarely: 4 flood claims since 1992

Every paid claim on a federal flood insurance policy in Warren, from FEMA’s records.

Paid flood claims, by year

199220112017

19922026

Biggest named events

Hurricane Irene1 claim · $17K

paid claims since 1992

$21K

paid to owners

homes flooded more than once

$5K

average claim

of homes in flood zones are insured

of all homes are insured

No community discount

Warren isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Grafton County.

Disasters

2 federal disasters brought FEMA money to Warren

Disasters that paid out in Warren itself (aid to households or repair grants to the Town of Warren), newest first, with that year’s flood claims.

2011Tropical Storm Irene17 households applied for aid$30K aid approved1 flood claim paid for it, $17K
2007Severe Storms and Flooding1 households applied for aid$172 aid approved

Disasters declared, by decade

Paid out in WarrenGrafton County only

Grafton County has had 34 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.

Were you here?

Old photos of Warren after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Warren archive →

Next door

Warren and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

PiermontWentworthBentonEllsworthHaverhillWarren

Lowest fifthSecondMiddleFourthHighest fifth

Town	Hazard risk	Mostly (buildings)	Flood claims
Haverhill	Cmore damage than 71%	river and rain flooding	4
Piermont	—	868 residents; we grade 1,000+
Wentworth	—	not graded yet
Benton	—	386 residents; we grade 1,000+
Ellsworth	—	51 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.

Be ready

Get ready for what Warren faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises

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.

Questions about natural hazards in Warren

Does Warren flood?

Flood insurance has paid 4 claims in Warren since 1992, $21K in all. The most claims came from Hurricane Irene (1).

Is Warren 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 Grafton County, 18% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Warren?

FEMA’s Community Rating System list shows no discount for Warren’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 Warren?

By FEMA money that reached Warren, Tropical Storm Irene (2011): 17 households applied for aid, $30K approved. By flood claims, Hurricane Irene: 1 paid, $17K.

Storm stories

Memories, warnings and help from neighbors in Warren.

Town Square →

Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warren’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.

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