Natural hazards · Somers

Somers, CT natural hazards

Most of the natural-hazard damage FEMA expects in Somers comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 2005.

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

Expected damage

How exposed is Somers?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somers to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding75%Hurricanes9%Everything else16%

By hazard

What Somers faces

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

Inland flooding

75% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

9% of expected damage

Above average · higher than 73% 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 Somers flood?

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

7paid claims since 2005

$264Kpaid to owners

0homes flooded more than once

20052026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Somers 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 Somers

Somers and the towns around it

Very lowLowModerateHighVery high

Staffordmostly inland floodingHigh

Enfieldmostly inland floodingHigh

Ellingtonmostly inland floodingModerate

Somersmostly 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. Somers covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Somers’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Somers. 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 Somers total about $3.1M 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.