Natural hazards · Andover

Andover, CT natural hazards

Most of the natural-hazard damage FEMA expects in Andover comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1979.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Andover?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Andover to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding81%Hurricanes6%Everything else13%

By hazard

What Andover faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

81% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

6% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 6 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Andover flood?

Every paid claim on a federal flood insurance policy in Andover, from FEMA’s records.

2paid claims since 1979

$5Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Andover isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: .

Around Andover

Andover and the towns around it

Very lowLowModerateHighVery high

Andovermostly inland floodingModerate

Coventrymostly inland floodingModerate

Columbiamostly inland floodingLow

Boltonmostly inland floodingLow

Hebronmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Andover covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Andover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Andover. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Andover total about $981K a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.