Natural hazards · Oxford

Oxford, CT natural hazards

Most of the natural-hazard damage FEMA expects in Oxford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 99 claims here since 1978.

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

Expected damage

How exposed is Oxford?

Moderate

vs. U.S. communities

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

Inland flooding66%Hurricanes22%Everything else12%

By hazard

What Oxford faces

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

Inland flooding

66% of expected damage

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

Recorded about 4 times a year in the area

Hurricanes

22% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 6 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Oxford flood?

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

99paid claims since 1978

$1.1Mpaid to owners

15homes flooded more than once

19782026

Biggest named events

Not a named storm: 8 claims, $13K
Hurricane Irene: 8 claims, $81K
Hurricane Ida: 1 claim, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Oxford 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 Oxford

Oxford and the towns around it

Very lowLowModerateHighVery high

Naugatuckmostly inland floodingHigh

Beacon Fallsmostly inland floodingHigh

Southburymostly inland floodingModerate

Sheltonmostly inland floodingModerate

Seymourmostly inland floodingModerate

Oxfordmostly inland floodingModerate

Newtownmostly inland floodingModerate

Middleburymostly inland floodingModerate

Monroemostly 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. Oxford covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Oxford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Oxford. 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 Oxford total about $4.0M 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.