Photo: Brian Stansberry · CC BY 4.0More hazard damage per building is expected in Manchester than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Manchester gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 78 claims here since 1978.
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 Manchester’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Manchester 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 Manchester’s grade
River and rain flooding is 92% of the building damage FEMA expects in Manchester, and Manchester’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts. Strong wind adds 2%, at a rate in the top 9% of U.S. census tracts.
C− higher expected damage per building than 84% of U.S. towns (21,298).
All of Manchester’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.8M a year in losses across Manchester: $950K to buildings, the rest to people and crops.
Does Manchester flood? Sometimes: 78 flood claims since 1978
Every paid claim on a federal flood insurance policy in Manchester, from FEMA’s records: 72.4 per 1,000 homes, more than 95% of the 13,809 U.S. towns with a flood insurance record.
Manchester isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Adams County.1 federal disaster brought FEMA money to Manchester
Disasters that paid out in Manchester itself (aid to households or repair grants to the Village of Manchester), newest first, with that year’s flood claims.
- 2003Severe Winter Storm and Record/near Record Snow11 households applied for aid$10K aid approved
Adams County has had 15 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.
Old photos of Manchester after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Manchester archive →Manchester and its neighbors
Manchester has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Manchester | C−more damage than 84% | river and rain flooding | 78 |
| Manchester Township | — | not graded yet | |
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 Manchester 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 Manchester
Is Manchester at risk for natural disasters?
On FEMA’s National Risk Index, Manchester has higher expected damage per building than 84% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (92%). 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.
Does Manchester flood?
Flood insurance has paid 78 claims in Manchester since 1978, $607K in all, or 72.4 per 1,000 homes, more than 95% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Manchester 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 Adams County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Manchester?
FEMA’s Community Rating System list shows no discount for Manchester’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 Manchester?
By FEMA money that reached Manchester, Severe Winter Storm and Record/near Record Snow (2003): 11 households applied for aid, $10K approved.
Is Manchester at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Manchester’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Manchester.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Manchester’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.