Photo: Original uploader was Mwanner at en.wikipedia Later version(s) were uploaded by XcepticZP at en.wikipedia. · CC BY-SA 3.0Storms, floods and disasters in Santa Clara
Santa Clara isn’t graded for hazard risk: Santa Clara has 511 residents; we grade towns of 1,000 or more.
What Santa Clara 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 Santa Clara flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Santa Clara. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Santa Clara 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.2 federal disasters brought FEMA money to Santa Clara
Disasters that paid out in Santa Clara itself (aid to households or repair grants to the Town of Santa Clara), newest first, with that year’s flood claims.
- 2013Severe Storms and Flooding$17K to the Town of Santa Clara for repairs
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$12K to the Town of Santa Clara 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 Santa Clara after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Santa Clara archive →Santa Clara 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 |
|---|---|---|---|
| Brighton | Aless damage than 86% | river and rain flooding | 13 |
| Harrietstown | C+more damage than 58% | river and rain flooding | 1 |
| Tupper Lake | Cmore damage than 70% | river and rain flooding | 2 |
| Waverly | — | 794 residents; we grade 1,000+ | |
| Duane | — | 226 residents; we grade 1,000+ | |
| Brandon | — | 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 Santa Clara 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 Santa Clara
Is Santa Clara 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 Santa Clara?
FEMA’s Community Rating System list shows no discount for Santa Clara’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 Santa Clara?
By FEMA money that reached Santa Clara, Severe Storms and Flooding (2013): $17K to the Town of Santa Clara for repairs.
Storm stories
Memories, warnings and help from neighbors in Santa Clara.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Santa Clara’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.