Enfield Town Meetinghouse · Photo: Jerry Dougherty · CC BY 2.5FEMA puts Enfield’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, Enfield gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns, #101 of 155 in Connecticut. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 46 claims here since 1979.
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 Enfield 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
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 Enfield’s grade
River and rain flooding is 90% of the building damage FEMA expects in Enfield, and Enfield’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts.
C #101 of 155 in Connecticut; higher expected damage per building than 68% of U.S. towns (21,298).
Enfield’s residents live in 12 census tracts; FEMA’s figures are combined by where they live.
The typical Connecticut town has higher expected damage than 62% of U.S. towns; within the state, Enfield has more expected damage per building than 65% of Connecticut towns.
In dollars, FEMA expects about $14.1M a year in losses across Enfield: $12.7M to buildings, the rest to people and crops.
Does Enfield flood? Sometimes: 46 flood claims since 1979
Every paid claim on a federal flood insurance policy in Enfield, from FEMA’s records: 2.7 per 1,000 homes, fewer than 55% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $326
Enfield 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.Enfield and its neighbors
Enfield is 5th of the 6 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 Windsor | Bless damage than 63% | river and rain flooding | 19 |
| Somers | Bless damage than 62% | river and rain flooding | 7 |
| Longmeadow | B−more damage than 51% | river and rain flooding | 1 |
| Enfield | Cmore damage than 68% | river and rain flooding | 46 |
| Suffield | Cmore damage than 71% | river and rain flooding | 4 |
| Hazardville | — | a Census area inside a town; graded with the town | |
| Thompsonville | — | a Census area inside a town; graded with the town | |
| Southwood Acres | — | 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 Enfield 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.
- 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 Enfield
Is Enfield at risk for natural disasters?
On FEMA’s National Risk Index, Enfield has higher expected damage per building than 68% of U.S. towns: C for hazard risk, #101 of 155 in Connecticut. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Enfield flood?
Flood insurance has paid 46 claims in Enfield since 1979, $339K in all, or 2.7 per 1,000 homes, fewer than 55% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Hurricane Irene (1).
Is Enfield 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 Enfield?
FEMA’s Community Rating System list shows no discount for Enfield’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 Enfield?
By flood claims, Hurricane Irene: 1 paid, $326.
Is Enfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Enfield’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Enfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Enfield’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.