Natural hazards · Cromwell

Cromwell, CT natural hazards

Most of the natural-hazard damage FEMA expects in Cromwell comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 41 claims here since 1982.

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

Expected damage

How exposed is Cromwell?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cromwell to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding84%Hurricanes8%Everything else8%

By hazard

What Cromwell faces

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

Inland flooding

84% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

8% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 6 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Cromwell flood?

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

41paid claims since 1982

$403Kpaid to owners

3homes flooded more than once

19822026

Biggest named events

Hurricane Irene: 4 claims, $26K
Not a named storm: 1 claim, $96
Hurricane Elsa: 1 claim, $59K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cromwell 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 Cromwell

Cromwell and the towns around it

Very lowLowModerateHighVery high

Middletownmostly inland floodingHigh

Portlandmostly inland floodingHigh

Cromwellmostly inland floodingHigh

Berlinmostly inland floodingHigh

Glastonburymostly inland floodingModerate

Rocky Hillmostly 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. Cromwell covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Cromwell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cromwell. 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 Cromwell total about $6.0M 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.