Natural hazards · North Haven

North Haven, CT natural hazards

Most of the natural-hazard damage FEMA expects in North Haven comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 153 claims here since 1978.

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

Expected damage

How exposed is North Haven?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Haven to be higher than in 53% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding62%Hurricanes23%Everything else15%

By hazard

What North Haven faces

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

Inland flooding

62% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

23% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 6 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 North Haven flood?

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

153paid claims since 1978

$2.1Mpaid to owners

25homes flooded more than once

19782026

Biggest named events

Not a named storm: 37 claims, $312K
Hurricane Ida: 8 claims, $202K
Hurricane Elsa: 4 claims, $42K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (6) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. North Haven 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 North Haven

North Haven and the towns around it

Very lowLowModerateHighVery high

East Havenmostly inland floodingHigh

Hamdenmostly inland floodingHigh

North Branfordmostly inland floodingHigh

New Havenmostly inland floodingModerate

North Havenmostly inland floodingModerate

Wallingfordmostly 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. North Haven covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to North Haven’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of North Haven. 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 North Haven total about $9.5M 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.