Lordship’s biggest natural hazard is coastal flooding
Most of the natural-hazard damage FEMA expects in Lordship comes from coastal flooding, and overall the risk is high for a U.S. community.
What stands out about Lordship’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
What Lordship faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Coastal flooding
Inland flooding
Hurricanes
How exposed is Lordship?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 64% of U.S. communities, mostly from coastal flooding and inland flooding.
Rated higher than 126 of the 177 Connecticut towns we cover.
Lordship is smaller than a census tract, so it shares the figures of the tract around its center.
Does Lordship flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lordship. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lordship isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: the county.Get ready for what Lordship actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Lordship and its neighbors
How storm and flood risk compares across the town line. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Lordship | High | coastal flooding | 0 |
| Stratford | High | inland flooding | 628 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Lordship’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lordship.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Lordship.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.