Photo: Michaelphayes · CC BY-SA 4.0On FEMA’s figures, Monroe faces less hazard damage per building than 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Monroe gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns, #12 of 155 in Connecticut. Most of that expected damage is river and rain flooding (64%), then hurricanes (29%). Flood insurance has paid 12 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 Monroe 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 Monroe’s grade
River and rain flooding is 64% of the building damage FEMA expects in Monroe, and Monroe’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Next is hurricanes at 29% (higher than 86% of U.S. census tracts).
B #12 of 155 in Connecticut; lower expected damage per building than 64% of U.S. towns (21,298).
Monroe’s residents live in 3 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, Monroe has less expected damage per building than 93% of Connecticut towns.
In dollars, FEMA expects about $5.4M a year in losses across Monroe: $4.9M to buildings, the rest to people and crops.
Does Monroe flood? Sometimes: 12 flood claims since 1979
Every paid claim on a federal flood insurance policy in Monroe, from FEMA’s records: 1.8 per 1,000 homes, fewer than 64% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene2 claims · $12K
- Hurricane Sandy1 claim · $2K
Monroe 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.Monroe and its neighbors
Monroe has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Monroe | Bless damage than 64% | river and rain flooding | 12 |
| Easton | Bless damage than 64% | river and rain flooding | 13 |
| Trumbull | B−less damage than 53% | river and rain flooding | 151 |
| Newtown | B−more damage than 52% | river and rain flooding | 38 |
| Oxford | B−more damage than 52% | river and rain flooding | 99 |
| Shelton | C+more damage than 64% | river and rain flooding | 138 |
| Sandy Hook | — | a Census area inside a town; graded with the town | |
| Stepney | — | a Census area inside a town; graded with the town | |
| East Village | — | a Census area inside a town; graded with the town | |
| Tashua | — | a Census area inside a town; graded with the town | |
| Daniels Farm | — | 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 Monroe 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 Monroe
Is Monroe at risk for natural disasters?
On FEMA’s National Risk Index, Monroe has lower expected damage per building than 64% of U.S. towns: B for hazard risk, #12 of 155 in Connecticut. Most of the expected damage is river and rain flooding (64%) and hurricanes (29%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Monroe flood?
Flood insurance has paid 12 claims in Monroe since 1979, $382K in all, or 1.8 per 1,000 homes, fewer than 64% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Irene (2).
Is Monroe 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, 51% of homes in mapped flood zones carry federal flood insurance, and 4.9% of all homes do.
How much is flood insurance in Monroe?
FEMA’s Community Rating System list shows no discount for Monroe’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 Monroe?
By flood claims, Hurricane Irene: 2 paid, $12K.
Is Monroe at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Monroe’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Monroe.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Monroe’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.