Natural hazards · Thomaston

Thomaston, CT natural hazards

Most of the natural-hazard damage FEMA expects in Thomaston comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 2011.

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

Expected damage

How exposed is Thomaston?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thomaston to be higher than in 80% of U.S. communities, mostly from inland flooding.

Inland flooding81%Hurricanes12%Everything else7%

By hazard

What Thomaston faces

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

Inland flooding

81% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

12% of expected damage

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

Recorded about once every 7 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 Thomaston flood?

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

3paid claims since 2011

$20Kpaid to owners

1homes flooded more than once

20112026

Biggest named events

Hurricane Irene: 1 claim, $4K

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. Thomaston 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 Thomaston

Thomaston and the towns around it

Very lowLowModerateHighVery high

Thomastonmostly inland floodingVery high

Plymouthmostly inland floodingHigh

Litchfieldmostly inland floodingModerate

Watertownmostly inland floodingModerate

Morrismostly inland floodingModerate

Harwintonmostly 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. Thomaston covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Thomaston’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Thomaston. 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 Thomaston total about $4.2M 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.