Natural hazards · Norfolk

Norfolk, CT natural hazards

Most of the natural-hazard damage FEMA expects in Norfolk comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2023.

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

Expected damage

How exposed is Norfolk?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Norfolk to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding79%Hurricanes10%Everything else11%

By hazard

What Norfolk faces

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

Inland flooding

79% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

10% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Norfolk flood?

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

1paid claims since 2023

$21Kpaid to owners

0homes flooded more than once

20232026

of all homes
are insured

No community discount. Norfolk 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 Norfolk

Norfolk and the towns around it

Very lowLowModerateHighVery high

North Canaanmostly inland floodingHigh

Colebrookmostly inland floodingHigh

Canaanmostly inland floodingHigh

Norfolkmostly inland floodingModerate

Goshenmostly inland floodingModerate

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. Norfolk covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Norfolk’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Norfolk. 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 Norfolk total about $786K 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.