Natural hazards · East Lyme

East Lyme, CT natural hazards

Most of the natural-hazard damage FEMA expects in East Lyme comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 195 claims here since 1978.

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

Expected damage

How exposed is East Lyme?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in East Lyme to be higher than in 64% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding64%Hurricanes26%Everything else10%

By hazard

What East Lyme faces

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

Inland flooding

64% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

26% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 5 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 East Lyme flood?

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

195paid claims since 1978

$4.5Mpaid to owners

22homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 63 claims, $3.5M
Not a named storm: 40 claims, $204K
March 2010 Nor'easter: 30 claims, $383K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. East Lyme is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: .

Around East Lyme

East Lyme and the towns around it

Very lowLowModerateHighVery high

Lymemostly inland floodingHigh

East Lymemostly inland floodingHigh

Waterfordmostly inland floodingModerate

Old Lymemostly inland floodingModerate

Salemmostly 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. East Lyme covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to East Lyme’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of East Lyme. 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 East Lyme total about $6.6M 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.