Photo: Ascended Dreamer · CC BY-SA 4.0Storms, floods and disasters in Wells River
Wells River isn’t graded for hazard risk: Wells River has 340 residents; we grade towns of 1,000 or more.
What Wells River 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.
Does Wells River flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Wells River. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Wells River 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.2 federal disasters brought FEMA money to Wells River
Disasters that paid out in Wells River itself (aid to households or repair grants to the Village of Wells River), newest first, with that year’s flood claims.
- 2023Severe Storms, Flooding, Landslides, and Mudslides3 households applied for aid$7K aid approved$63K to the Village of Wells River for repairs
- 2011Tropical Storm Irene4 households applied for aid$3K aid approved
Orange County has had 31 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Wells River after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wells River archive →Wells River 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 |
|---|---|---|---|
| Ryegate | C+more damage than 61% | river and rain flooding | 10 |
| Newbury | C+more damage than 62% | river and rain flooding | 5 |
| Haverhill | Cmore damage than 71% | river and rain flooding | 4 |
| Bath | C−more damage than 85% | river and rain flooding | 3 |
| Woodsville | — | a Census area inside a town; graded with the town | |
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 Wells River 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 Wells River
Is Wells River 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 Wells River?
FEMA’s Community Rating System list shows no discount for Wells River’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 Wells River?
By FEMA money that reached Wells River, Severe Storms, Flooding, Landslides, and Mudslides (2023): 3 households applied for aid, $7K approved, and $63K to the Village of Wells River for repairs.
Storm stories
Memories, warnings and help from neighbors in Wells River.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wells River’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.