Natural hazards · North Stonington

North Stonington, CT natural hazards

Most of the natural-hazard damage FEMA expects in North Stonington comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 13 claims here since 1985.

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

Expected damage

How exposed is North Stonington?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Stonington to be higher than in 49% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding55%Hurricanes35%Everything else10%

By hazard

What North Stonington faces

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

Inland flooding

55% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

35% 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 North Stonington flood?

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

13paid claims since 1985

$174Kpaid to owners

2homes flooded more than once

19852026

Biggest named events

March 2010 Nor'easter: 9 claims, $146K

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. North Stonington 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 Stonington

North Stonington and the towns around it

Very lowLowModerateHighVery high

Griswoldmostly inland floodingHigh

Prestonmostly inland floodingModerate

Stoningtonmostly inland floodingModerate

North Stoningtonmostly inland floodingModerate

Hopkintonmostly inland floodingModerate

Voluntownmostly inland floodingLow

Ledyardmostly inland floodingLow

Westerlymostly 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. North Stonington covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North Stonington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of North Stonington. 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 Stonington total about $1.4M 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.