Photo: The original uploader was Redjar at English Wikipedia. · CC BY-SA 2.0More hazard damage per building is expected in Tunbridge than in 71% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Tunbridge gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 21 claims here since 2008.
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 Tunbridge’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Tunbridge 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 Tunbridge’s grade
River and rain flooding is 92% of the building damage FEMA expects in Tunbridge, and Tunbridge’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts.
C higher expected damage per building than 71% of U.S. towns (21,298).
All of Tunbridge’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $643K a year in losses across Tunbridge: $553K to buildings, the rest to people and crops.
Does Tunbridge flood? Sometimes: 21 flood claims since 2008
Every paid claim on a federal flood insurance policy in Tunbridge, from FEMA’s records: 31.5 per 1,000 homes, more than 89% of the 13,809 U.S. towns with a flood insurance record.
- The Vermont/New York Flooding7 claims · $184K
- Hurricane Irene5 claims · $66K
Tunbridge isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orange County.7 federal disasters brought FEMA money to Tunbridge
Disasters that paid out in Tunbridge itself (aid to households or repair grants to the Town of Tunbridge), newest first, with that year’s flood claims.
- 2023Severe Storms, Flooding, Landslides, and Mudslides12 households applied for aid$65K aid approved$468K to the Town of Tunbridge for repairs7 flood claims paid that year
- 2019Severe Storms and Flooding$48K to the Town of Tunbridge for repairs1 flood claim paid that year
- 2017Severe Storms and Flooding$29K to the Town of Tunbridge for repairs2 flood claims paid that year
- 2014Severe Winter Storm$19K to the Town of Tunbridge for repairs
- 2013Severe Storms and Flooding$73K to the Town of Tunbridge for repairs1 flood claim paid that year
- 2011Tropical Storm Irene10 households applied for aid$19K aid approved$124K to the Town of Tunbridge for repairs5 flood claims paid for it, $66K
Show all 7
- 2003Severe Storms and Flooding$65K to the Town of Tunbridge for repairs
Orange County has had 31 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Tunbridge after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tunbridge archive →Tunbridge and its neighbors
Tunbridge is 6th of the 6 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 |
|---|---|---|---|
| Randolph | B+less damage than 74% | river and rain flooding | 6 |
| Royalton | B−more damage than 54% | river and rain flooding | 14 |
| Bethel | Cmore damage than 69% | river and rain flooding | 16 |
| Strafford | Cmore damage than 71% | river and rain flooding | 6 |
| Chelsea | Cmore damage than 71% | river and rain flooding | 17 |
| Tunbridge | Cmore damage than 71% | river and rain flooding | 21 |
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 Tunbridge 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 Tunbridge
Is Tunbridge at risk for natural disasters?
On FEMA’s National Risk Index, Tunbridge has higher expected damage per building than 71% 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 Tunbridge flood?
Flood insurance has paid 21 claims in Tunbridge since 2008, $363K in all, or 31.5 per 1,000 homes, more than 89% of U.S. towns with a flood insurance record. The most claims came from Vermont/New York Flooding (7).
Is Tunbridge 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 Orange County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Tunbridge?
FEMA’s Community Rating System list shows no discount for Tunbridge’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 Tunbridge?
By FEMA money that reached Tunbridge, Severe Storms, Flooding, Landslides, and Mudslides (2023): 12 households applied for aid, $65K approved, and $468K to the Town of Tunbridge for repairs. By flood claims, Vermont/New York Flooding: 7 paid, $184K.
Is Tunbridge at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Tunbridge’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tunbridge.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tunbridge’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.