Natural hazards · Bridgewater

Bridgewater, CT natural hazards

Most of the natural-hazard damage FEMA expects in Bridgewater comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1978.

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

Expected damage

How exposed is Bridgewater?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bridgewater to be higher than in 52% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding72%Hurricanes18%Everything else11%

By hazard

What Bridgewater faces

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

Inland flooding

72% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

18% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 8 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 Bridgewater flood?

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

4paid claims since 1978

$157Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Not a named storm: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bridgewater 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 Bridgewater

Bridgewater and the towns around it

Very lowLowModerateHighVery high

New Milfordmostly inland floodingHigh

Roxburymostly inland floodingHigh

Southburymostly inland floodingModerate

Brookfieldmostly inland floodingModerate

Bridgewatermostly inland floodingModerate

Newtownmostly inland floodingModerate

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. Bridgewater covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bridgewater’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bridgewater. 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 Bridgewater total about $824K 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.