Photo: User:Magicpiano · CC BY-SA 4.0FEMA expects less hazard damage per building in East Granby than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, East Granby gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #17 of 155 in Connecticut. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 1 claim here since 1992.
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 East Granby 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 East Granby’s grade
River and rain flooding is 87% of the building damage FEMA expects in East Granby, and East Granby’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Next is hurricanes at 6% (higher than 70% of U.S. census tracts).
B #17 of 155 in Connecticut; lower expected damage per building than 62% of U.S. towns (21,298).
All of East Granby’s residents live in one census tract; the figures are that tract’s.
The typical Connecticut town has higher expected damage than 62% of U.S. towns; within the state, East Granby has less expected damage per building than 90% of Connecticut towns.
In dollars, FEMA expects about $1.8M a year in losses across East Granby: $1.7M to buildings, the rest to people and crops.
Does East Granby flood? Rarely: 1 flood claim since 1992
Every paid claim on a federal flood insurance policy in East Granby, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.
- The December Storm - nor’easter1 claim · $26K
East Granby 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.East Granby and its neighbors
East Granby is 2nd of the 7 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 |
|---|---|---|---|
| Windsor Locks | B+less damage than 67% | river and rain flooding | 7 |
| East Granby | Bless damage than 62% | river and rain flooding | 1 |
| Windsor | C+more damage than 55% | river and rain flooding | 20 |
| Bloomfield | C+more damage than 56% | river and rain flooding | 37 |
| Granby | C+more damage than 61% | river and rain flooding | 13 |
| Simsbury | Cmore damage than 67% | river and rain flooding | 73 |
| Suffield | Cmore damage than 71% | river and rain flooding | 4 |
| Tariffville | — | a Census area inside a town; graded with the town | |
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 East Granby 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 East Granby
Is East Granby at risk for natural disasters?
On FEMA’s National Risk Index, East Granby has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #17 of 155 in Connecticut. Most of the expected damage is river and rain flooding (87%) and hurricanes (6%). 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 East Granby flood?
Flood insurance has paid 1 claim in East Granby since 1992, $26K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record. The most claims came from December Storm - Nor'easter (1).
Is East Granby 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, 32% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in East Granby?
FEMA’s Community Rating System list shows no discount for East Granby’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 East Granby?
By flood claims, December Storm - Nor'easter: 1 paid, $26K.
Is East Granby at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and East Granby’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in East Granby.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where East Granby’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.