Natural hazards · Sprague

Sprague, CT natural hazards

Most of the natural-hazard damage FEMA expects in Sprague comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 16 claims here since 1979.

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

Expected damage

How exposed is Sprague?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sprague to be higher than in 86% of U.S. communities, mostly from inland flooding.

Inland flooding80%Hurricanes14%Everything else6%

By hazard

What Sprague faces

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

Inland flooding

80% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

14% of expected damage

Well above average · higher than 87% 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 Sprague flood?

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

16paid claims since 1979

$128Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 2 claims, $743
March 2010 Nor'easter: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Sprague 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 Sprague

Sprague and the towns around it

Very lowLowModerateHighVery high

Spraguemostly inland floodingVery high

Norwichmostly inland floodingHigh

Scotlandmostly inland floodingModerate

Lisbonmostly 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. Sprague covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Sprague’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Sprague. 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 Sprague 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.