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Farmington, ConnecticutPhoto: Spongetastic69 · CC BY-SA 4.0
CHazard risk
Natural hazards in Farmington · FEMA

FEMA expects more hazard damage per building in Farmington than in 66% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Farmington gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns, #93 of 155 in Connecticut. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 110 claims here since 1979.

River and rain flooding 89%Hurricanes 5%Tornadoes 2%

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

more than 66%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#93 of 155 in Connecticut
Hazard risk
C#93 of 155
in Connecticut · higher than 66% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
110
paid since 1979 · $1.4M
Flooded more than once
5
properties · 1 “severe repetitive loss”
Flood claims per home
9 per 1,000
more than 73% of U.S. towns

What stands out about Farmington’s natural hazards

From FEMA’s model and FEMA’s records, below.

110 paid flood claims since 1979$1.4M in all; 5 properties flooded more than once.Remembers 201126 flood claims were paid for 2011 alone, the most of any year.
By hazard

What Farmington 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

89%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Earthquakes Ice storms Hail Strong wind Wildfire Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Farmington’s grade

River and rain flooding is 89% of the building damage FEMA expects in Farmington, and Farmington’s rate of river and rain flooding damage is higher than 82% of U.S. census tracts.

Where Farmington sits
Farmington
Least damageMiddleMost damage

C #93 of 155 in Connecticut; higher expected damage per building than 66% of U.S. towns (21,298).

Farmington’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding89%Hurricanes5%Everything else6%

The typical Connecticut town has higher expected damage than 62% of U.S. towns; within the state, Farmington has more expected damage per building than 60% of Connecticut towns.

In dollars, FEMA expects about $11.0M a year in losses across Farmington: $10.2M to buildings, the rest to people and crops.

A small-area figure. Farmington covers 6 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Farmington flood? Yes: 110 flood claims since 1979

Every paid claim on a federal flood insurance policy in Farmington, from FEMA’s records: 9.3 per 1,000 homes, more than 73% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 5 claims1980: 18 claims1981: 0 claims1982: 16 claims1983: 7 claims1984: 17 claims1985: 0 claims1986: 0 claims1987: 9 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 11 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 26 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 1 claim2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198019842011
19792026
Biggest named events
  • Hurricane Irene20 claims · $668K
110
paid claims since 1979
$1.4M
paid to owners
5
homes flooded more than once
$12K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Farmington 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.
Next door

Farmington and its neighbors

Farmington is 5th of the 8 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

West Hartford: hazard risk C+Avon: hazard risk CPlainville: hazard risk CNew Britain: hazard risk BBurlington: hazard risk C+Bristol: hazard risk C−Newington: hazard risk B−West HartfordAvonPlainvilleNew BritainBurlingtonBristolNewingtonFarmington
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
New BritainBless damage than 57%river and rain flooding98
NewingtonB−more damage than 51%river and rain flooding27
BurlingtonC+more damage than 58%river and rain flooding5
West HartfordC+more damage than 62%river and rain flooding282
FarmingtonCmore damage than 66%river and rain flooding110
AvonCmore damage than 68%river and rain flooding10
PlainvilleCmore damage than 75%river and rain flooding64
BristolC−more damage than 77%river and rain flooding190

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.

Be ready

Get ready for what Farmington faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Farmington

Is Farmington at risk for natural disasters?

On FEMA’s National Risk Index, Farmington has higher expected damage per building than 66% of U.S. towns: C for hazard risk, #93 of 155 in Connecticut. Most of the expected damage is river and rain flooding (89%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Farmington flood?

Flood insurance has paid 110 claims in Farmington since 1979, $1.4M in all, or 9.3 per 1,000 homes, more than 73% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Hurricane Irene (20).

Is Farmington 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 Farmington?

FEMA’s Community Rating System list shows no discount for Farmington’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 Farmington?

By flood claims, Hurricane Irene: 20 paid, $668K.

Is Farmington at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Farmington’s rate for it is higher than 82% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Farmington.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Farmington’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.