Natural hazards · Colebrook

Colebrook, CT natural hazards

Most of the natural-hazard damage FEMA expects in Colebrook comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2011.

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

Expected damage

How exposed is Colebrook?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Colebrook to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding77%Hurricanes13%Everything else10%

By hazard

What Colebrook faces

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

Inland flooding

77% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

13% 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 windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Colebrook flood?

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

1paid claims since 2011

$7Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Hurricane Irene: 1 claim, $7K

of all homes
are insured

No community discount. Colebrook 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 Colebrook

Colebrook and the towns around it

Very lowLowModerateHighVery high

Winchestermostly inland floodingVery high

Colebrookmostly inland floodingHigh

Norfolkmostly inland floodingModerate

Hartlandmostly 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. Colebrook covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Colebrook’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Colebrook. 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 Colebrook total about $685K 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.