Photo: Jessamyn · Public domainStorms, floods and disasters in Hancock
Hancock isn’t graded for hazard risk: Hancock has 435 residents; we grade towns of 1,000 or more. Flood insurance has paid 12 claims here since 2008.
What Hancock 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
Hurricanes
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 Hancock flood? Sometimes: 12 flood claims since 2008
Every paid claim on a federal flood insurance policy in Hancock, from FEMA’s records.
- Hurricane Irene7 claims · $169K
Hancock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Addison County.6 federal disasters brought FEMA money to Hancock
Disasters that paid out in Hancock itself (aid to households or repair grants to the Town of Hancock), newest first, with that year’s flood claims.
- 2024Severe Storm, Flooding, Landslides, and Mudslides1 households applied for aid$3K aid approved
- 2023Severe Storms and Flooding$888K to the Town of Hancock for repairs
- 2023Severe Storms, Flooding, Landslides, and Mudslides$27K to the Town of Hancock for repairs
- 2017Severe Storms and Flooding$4K to the Town of Hancock for repairs
- 2011Tropical Storm Irene51 households applied for aid$151K aid approved$1.4M to the Town of Hancock for repairs7 flood claims paid for it, $169K
- 2008Severe Storms and Flooding$219K to the Town of Hancock for repairs5 flood claims paid that year
Addison County has had 27 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Hancock after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hancock archive →Hancock and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
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 Hancock 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Hancock
Does Hancock flood?
Flood insurance has paid 12 claims in Hancock since 2008, $260K in all. 1 properties have flooded more than once. The most claims came from Hurricane Irene (7).
Is Hancock 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 Addison County, 0.8% of all homes carry federal flood insurance.
How much is flood insurance in Hancock?
FEMA’s Community Rating System list shows no discount for Hancock’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 Hancock?
By FEMA money that reached Hancock, Tropical Storm Irene (2011): 51 households applied for aid, $151K approved, and $1.4M to the Town of Hancock for repairs. By flood claims, Hurricane Irene: 7 paid, $169K.
Storm stories
Memories, warnings and help from neighbors in Hancock.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hancock’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.