Natural hazards · Scotland

Scotland, CT natural hazards

Most of the natural-hazard damage FEMA expects in Scotland comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Scotland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Scotland to be higher than in 56% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding67%Hurricanes22%Everything else11%

By hazard

What Scotland faces

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

Inland flooding

67% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 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 Scotland flood?

FEMA's records show no paid flood insurance claims in Scotland.

of all homes
are insured

No community discount. Scotland 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 Scotland

Scotland and the towns around it

Very lowLowModerateHighVery high

Spraguemostly inland floodingVery high

Windhammostly inland floodingHigh

Chaplinmostly inland floodingHigh

Scotlandmostly inland floodingModerate

Canterburymostly inland floodingModerate

Hamptonmostly inland floodingModerate

Franklinmostly 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. Scotland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Scotland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Scotland. 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 Scotland total about $578K 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.