Less hazard damage per building is expected in Hagaman than in 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hagaman gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (90%). 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 stands out about Hagaman’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Hagaman 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
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 Hagaman’s grade
River and rain flooding is 90% of the building damage FEMA expects in Hagaman, and Hagaman’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts.
B lower expected damage per building than 64% of U.S. towns (21,298).
All of Hagaman’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $373K a year in losses across Hagaman: $313K to buildings, the rest to people and crops.
Does Hagaman flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hagaman. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hagaman isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.6 federal disasters brought FEMA money to Hagaman
Disasters that paid out in Hagaman itself (aid to households or repair grants to the Village of Hagaman), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$4K to the Village of Hagaman for repairs
- 2011Remnants of Tropical Storm Lee2 households applied for aid$2K aid approved
- 2011Hurricane Irene7 households applied for aid$21K aid approved$9K to the Village of Hagaman for repairs
- 2007Severe Storms and Inland and Coastal Flooding$16K to the Village of Hagaman for repairs
- 2006Severe Storms and Flooding1 households applied for aid$336 aid approved
- 2002Snowstorms$3K to the Village of Hagaman for repairs
Montgomery County has had 19 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 Hagaman after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hagaman archive →Get ready for what Hagaman 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.
- 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 Hagaman
Is Hagaman at risk for natural disasters?
On FEMA’s National Risk Index, Hagaman has lower expected damage per building than 64% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (90%). 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 Hagaman 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 Montgomery County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Hagaman?
FEMA’s Community Rating System list shows no discount for Hagaman’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 Hagaman?
By FEMA money that reached Hagaman, Hurricane Irene (2011): 7 households applied for aid, $21K approved, and $9K to the Village of Hagaman for repairs.
Is Hagaman at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Hagaman’s rate for it is higher than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hagaman.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hagaman’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.