Natural hazards · Harwinton

Harwinton, CT natural hazards

Most of the natural-hazard damage FEMA expects in Harwinton comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2008.

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

Expected damage

How exposed is Harwinton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harwinton to be higher than in 38% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding68%Hurricanes18%Everything else14%

By hazard

What Harwinton faces

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

Inland flooding

68% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

18% 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 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 Harwinton flood?

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

1paid claims since 2008

$3Kpaid to owners

0homes flooded more than once

20082026

of all homes
are insured

No community discount. Harwinton 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 Harwinton

Harwinton and the towns around it

Very lowLowModerateHighVery high

Thomastonmostly inland floodingVery high

New Hartfordmostly inland floodingHigh

Torringtonmostly inland floodingHigh

Plymouthmostly inland floodingHigh

Burlingtonmostly inland floodingModerate

Litchfieldmostly inland floodingModerate

Harwintonmostly 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. Harwinton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Harwinton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Harwinton. 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 Harwinton total about $1.9M 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.