Photo: Kenneth C. Zirkel · CC BY-SA 4.0On FEMA’s figures, Manchester faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Manchester gets a B− for hazard risk: higher expected damage per building than 50% of U.S. towns, #42 of 155 in Connecticut. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 22 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 Manchester 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 Manchester’s grade
River and rain flooding is 87% of the building damage FEMA expects in Manchester, and Manchester’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Next is hurricanes at 7% (higher than 73% of U.S. census tracts).
B− #42 of 155 in Connecticut; higher expected damage per building than 50% of U.S. towns (21,298).
Manchester’s residents live in 15 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, Manchester has less expected damage per building than 73% of Connecticut towns.
In dollars, FEMA expects about $15.5M a year in losses across Manchester: $13.8M to buildings, the rest to people and crops.
Does Manchester flood? Sometimes: 22 flood claims since 1979
Every paid claim on a federal flood insurance policy in Manchester, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Henri1 claim · $2K
- Hurricane Ida1 claim · $3K
Manchester 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.Manchester and its neighbors
Manchester is 3rd 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 |
|---|---|---|---|
| Bolton | A−less damage than 80% | river and rain flooding | 1 |
| South Windsor | Bless damage than 56% | river and rain flooding | 17 |
| Manchester | B−more damage than 50% | river and rain flooding | 22 |
| Glastonbury | B−more damage than 55% | river and rain flooding | 25 |
| East Hartford | C+more damage than 62% | river and rain flooding | 67 |
| Vernon | C−more damage than 84% | river and rain flooding | 27 |
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 Manchester 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 Manchester
Is Manchester at risk for natural disasters?
On FEMA’s National Risk Index, Manchester has higher expected damage per building than 50% of U.S. towns: B− for hazard risk, #42 of 155 in Connecticut. Most of the expected damage is river and rain flooding (87%) and hurricanes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Manchester flood?
Flood insurance has paid 22 claims in Manchester since 1979, $131K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Henri (1).
Is Manchester 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 Manchester?
FEMA’s Community Rating System list shows no discount for Manchester’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 Manchester?
By flood claims, Tropical Storm Henri: 1 paid, $2K.
Is Manchester at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Manchester’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Manchester.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Manchester’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.