Natural hazards · Ledyard

Ledyard, CT natural hazards

Most of the natural-hazard damage FEMA expects in Ledyard comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 17 claims here since 1982.

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

Expected damage

How exposed is Ledyard?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ledyard to be higher than in 34% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding53%Hurricanes36%Everything else11%

By hazard

What Ledyard faces

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

Inland flooding

53% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

36% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 5 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Ledyard flood?

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

17paid claims since 1982

$191Kpaid to owners

3homes flooded more than once

19822026

Biggest named events

March 2010 Nor'easter: 9 claims, $94K
Not a named storm: 4 claims, $15K
Hurricane Sandy: 1 claim, $23K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ledyard 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 Ledyard

Ledyard and the towns around it

Very lowLowModerateHighVery high

Montvillemostly inland floodingHigh

Prestonmostly inland floodingModerate

Stoningtonmostly inland floodingModerate

North Stoningtonmostly inland floodingModerate

Waterfordmostly inland floodingModerate

Grotonmostly inland floodingLow

Ledyardmostly 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. Ledyard covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Ledyard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ledyard. 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 Ledyard total about $3.7M 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.