Photo: Downspec · CC BY-SA 4.0On FEMA’s figures, Fall River faces more hazard damage per building than 80% of U.S. towns, mostly from hail
On FEMA’s National Risk Index, Fall River gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns. Most of that expected damage is hail (66%), then river and rain flooding (26%). FEMA’s files show no paid flood insurance claims here.
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 Fall River faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hail
River and rain flooding
Tornadoes
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 Fall River’s grade
Hail is 66% of the building damage FEMA expects in Fall River, and Fall River’s rate of hail damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 26% (lower than 82% of U.S. census tracts).
C− higher expected damage per building than 80% of U.S. towns (21,298).
All of Fall River’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.6M a year in losses across Fall River: $1.3M to buildings, the rest to people and crops.
Does Fall River flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Fall River. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Fall 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: Columbia County.3 federal disasters brought FEMA money to Fall River
Disasters that paid out in Fall River itself (aid to households or repair grants to the Village of Fall River), newest first, with that year’s flood claims.
- 2008Severe Storms, Tornadoes, and Flooding40 households applied for aid$56K aid approved$158K to the Village of Fall River for repairs
- 2004Severe Storms and Flooding6 households applied for aid$9K aid approved$200K to the Village of Fall River for repairs
- 2000Snow$2K to the Village of Fall River for repairs
Columbia County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Fall River after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fall River archive →Get ready for what Fall 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Fall River
Is Fall River at risk for natural disasters?
On FEMA’s National Risk Index, Fall River has higher expected damage per building than 80% of U.S. towns: C− for hazard risk. Most of the expected damage is hail (66%) and river and rain flooding (26%). 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.
Is Fall 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 Columbia County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Fall River?
FEMA’s Community Rating System list shows no discount for Fall 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 Fall River?
By FEMA money that reached Fall River, Severe Storms, Tornadoes, and Flooding (2008): 40 households applied for aid, $56K approved, and $158K to the Village of Fall River for repairs.
Is Fall River at risk from hail?
It is the largest share of the building damage FEMA expects here (66%), and Fall River’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fall River.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fall 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.