Natural hazards · Haddam

Haddam, CT natural hazards

Most of the natural-hazard damage FEMA expects in Haddam comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 43 claims here since 1982.

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

Expected damage

How exposed is Haddam?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Haddam to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding82%Hurricanes11%Everything else8%

By hazard

What Haddam faces

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

Inland flooding

82% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

11% of expected damage

Well above average · higher than 83% 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 Haddam flood?

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

43paid claims since 1982

$392Kpaid to owners

6homes flooded more than once

19822026

Biggest named events

Hurricane Irene: 5 claims, $55K
Not a named storm: 4 claims, $28K
Hurricane Gloria: 2 claims, $13K

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. Haddam 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 Haddam

Haddam and the towns around it

Very lowLowModerateHighVery high

Middletownmostly inland floodingHigh

Chestermostly inland floodingHigh

Haddammostly inland floodingHigh

East Hamptonmostly inland floodingModerate

Durhammostly inland floodingModerate

East Haddammostly inland floodingLow

Killingworthmostly 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. Haddam covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Haddam’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Haddam. 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 Haddam total about $3.1M 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.