Photo: Magicpiano · CC BY-SA 3.0FEMA puts Colebrook’s expected hazard damage per building above that of 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Colebrook gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (81%), then hurricanes (14%). Flood insurance has paid 1 claim here since 2011.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Colebrook faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Colebrook’s grade
River and rain flooding is 81% of the building damage FEMA expects in Colebrook, and Colebrook’s rate of river and rain flooding damage is higher than 79% of U.S. census tracts. Next is hurricanes at 14% (higher than 84% of U.S. census tracts).
C higher expected damage per building than 68% of U.S. towns (21,298).
All of Colebrook’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $685K a year in losses across Colebrook: $644K to buildings, the rest to people and crops.
Does Colebrook flood? Rarely: 1 flood claim since 2011
Every paid claim on a federal flood insurance policy in Colebrook, from FEMA’s records: 1.4 per 1,000 homes, fewer than 70% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $7K
Colebrook isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: the county.Colebrook and its neighbors
Colebrook is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hartland | B+less damage than 74% | river and rain flooding | — |
| Norfolk | C+more damage than 64% | river and rain flooding | 1 |
| Colebrook | Cmore damage than 68% | river and rain flooding | 1 |
| Winchester | Dmore damage than 87% | river and rain flooding | 5 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Colebrook faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Colebrook
Is Colebrook at risk for natural disasters?
On FEMA’s National Risk Index, Colebrook has higher expected damage per building than 68% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (81%) and hurricanes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Colebrook flood?
Flood insurance has paid 1 claim in Colebrook since 2011, $7K in all, or 1.4 per 1,000 homes, fewer than 70% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).
Is Colebrook in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In the county, 0.7% of all homes carry federal flood insurance.
How much is flood insurance in Colebrook?
FEMA’s Community Rating System list shows no discount for Colebrook’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Colebrook?
By flood claims, Hurricane Irene: 1 paid, $7K.
Is Colebrook at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Colebrook’s rate for it is higher than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Colebrook.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Colebrook’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.