Natural hazards · Hartland

Hartland, CT natural hazards

Most of the natural-hazard damage FEMA expects in Hartland comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Hartland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartland to be higher than in 27% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding63%Hurricanes21%Everything else17%

By hazard

What Hartland faces

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

Inland flooding

63% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

21% 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 windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Hartland flood?

FEMA's records show no paid flood insurance claims in Hartland.

of all homes
are insured

No community discount. Hartland 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 Hartland

Hartland and the towns around it

Very lowLowModerateHighVery high

Barkhamstedmostly inland floodingHigh

Colebrookmostly inland floodingHigh

Granvillemostly inland floodingHigh

Granbymostly 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. Hartland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hartland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hartland. 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 Hartland total about $477K 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.