Storms, floods and disasters in Brandon
Brandon isn’t graded for hazard risk: Brandon has 511 residents; we grade towns of 1,000 or more.
What Brandon 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
Earthquakes
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 Brandon flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Brandon. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Brandon 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.5 federal disasters brought FEMA money to Brandon
Disasters that paid out in Brandon itself (aid to households or repair grants to the Town of Brandon), newest first, with that year’s flood claims.
- 2024Remnants of Tropical Storm Debby$405K to the Town of Brandon for repairs
- 2017Severe Winter Storm and Snowstorm$9K to the Town of Brandon for repairs
- 2013Severe Storms and Flooding$125K to the Town of Brandon for repairs
- 2011Hurricane Irene$43K to the Town of Brandon for repairs
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$168K to the Town of Brandon for repairs
Franklin County has had 14 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Brandon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Brandon archive →Brandon 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 |
|---|---|---|---|
| Bangor | B+less damage than 75% | river and rain flooding | — |
| Malone | B+less damage than 70% | river and rain flooding | 7 |
| Dickinson | — | not graded yet | |
| Santa Clara | — | 511 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 Brandon 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Brandon
Is Brandon 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, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Brandon?
FEMA’s Community Rating System list shows no discount for Brandon’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 Brandon?
By FEMA money that reached Brandon, Remnants of Tropical Storm Debby (2024): $405K to the Town of Brandon for repairs.
Storm stories
Memories, warnings and help from neighbors in Brandon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Brandon’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.