Natural hazards · Torrington

Torrington, CT natural hazards

Most of the natural-hazard damage FEMA expects in Torrington comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 21 claims here since 1978.

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

Expected damage

How exposed is Torrington?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Torrington to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding78%Hurricanes11%Everything else11%

By hazard

What Torrington faces

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

Inland flooding

78% of expected damage

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

Recorded about 4 times a year in the area

Hurricanes

11% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 8 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 Torrington flood?

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

21paid claims since 1978

$185Kpaid to owners

3homes flooded more than once

19782026

Biggest named events

Hurricane Irene: 3 claims, $19K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

No community discount. Torrington 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 Torrington

Torrington and the towns around it

Very lowLowModerateHighVery high

Winchestermostly inland floodingVery high

New Hartfordmostly inland floodingHigh

Torringtonmostly inland floodingHigh

Litchfieldmostly inland floodingModerate

Goshenmostly 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. Torrington covers 11 census tracts, combined by population.

Money that reached townFlood claims are matched to Torrington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Torrington. 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 Torrington total about $14.5M 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.