Essex County Fairgrounds · Photo: Mwanner · CC BY-SA 3.0More hazard damage per building is expected in Westport than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Westport gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 11 claims here since 1979.
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 Westport 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 Westport’s grade
River and rain flooding is 92% of the building damage FEMA expects in Westport, and Westport’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts.
C higher expected damage per building than 72% of U.S. towns (21,298).
Westport’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.4M a year in losses across Westport: $956K to buildings, the rest to people and crops.
Does Westport flood? Sometimes: 11 flood claims since 1979
Every paid claim on a federal flood insurance policy in Westport, from FEMA’s records: 10.5 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $47K
Westport isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Essex County.7 federal disasters brought FEMA money to Westport
Disasters that paid out in Westport itself (aid to households or repair grants to the Town of Westport), newest first, with that year’s flood claims.
- 2024Severe Storm, Tornadoes, and Flooding$3.7M to the Town of Westport for repairs
- 2023Severe Storms and Flooding$1.7M to the Town of Westport for repairs
- 2019Severe Storms, Straight-line Winds, and Flooding$85K to the Town of Westport for repairs
- 2017Severe Winter Storm and Snowstorm$10K to the Town of Westport for repairs
- 2011Hurricane Irene22 households applied for aid$33K aid approved$108K to the Town of Westport for repairs1 flood claim paid for it, $47K
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$62K to the Town of Westport for repairs
Show all 7
- 2007Severe Storms and Inland and Coastal Flooding$336K to the Town of Westport for repairs
Essex 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 Westport after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Westport archive →Westport and its neighbors
Westport is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Ferrisburgh | B+less damage than 75% | river and rain flooding | 7 |
| Moriah | Bless damage than 59% | river and rain flooding | 1 |
| Lewis | Cmore damage than 65% | river and rain flooding | 3 |
| Elizabethtown | Cmore damage than 71% | river and rain flooding | 26 |
| Westport | Cmore damage than 72% | river and rain flooding | 11 |
| Panton | — | 690 residents; we grade 1,000+ | |
| Essex | — | 710 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 Westport 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 Westport
Is Westport at risk for natural disasters?
On FEMA’s National Risk Index, Westport has higher expected damage per building than 72% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Westport flood?
Flood insurance has paid 11 claims in Westport since 1979, $168K in all, or 10.5 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Irene (1).
Is Westport 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 Essex County, 0.7% of all homes carry federal flood insurance.
How much is flood insurance in Westport?
FEMA’s Community Rating System list shows no discount for Westport’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 Westport?
By FEMA money that reached Westport, Severe Storm, Tornadoes, and Flooding (2024): $3.7M to the Town of Westport for repairs. By flood claims, Hurricane Irene: 1 paid, $47K.
Is Westport at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Westport’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Westport.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Westport’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.