Natural hazards · Enfield

Enfield, CT natural hazards

Most of the natural-hazard damage FEMA expects in Enfield comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 46 claims here since 1979.

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

Expected damage

How exposed is Enfield?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Enfield to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding81%Everything else19%

By hazard

What Enfield 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 83% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Enfield flood?

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

46paid claims since 1979

$339Kpaid to owners

7homes flooded more than once

19792026

Biggest named events

Hurricane Irene: 1 claim, $326
Not a named storm: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Enfield 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 Enfield

Enfield and the towns around it

Very lowLowModerateHighVery high

Suffieldmostly inland floodingHigh

Enfieldmostly inland floodingHigh

Longmeadowmostly inland floodingModerate

Somersmostly inland floodingLow

East Windsormostly inland floodingLow

Windsor Locksmostly 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. Enfield covers 12 census tracts, combined by population.

Money that reached townFlood claims are matched to Enfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Enfield. 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 Enfield total about $14.1M 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.