Photo: Paperchaser29 · CC BY-SA 3.0FEMA expects about as much hazard damage per building in North Haven as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, North Haven gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns, #66 of 155 in Connecticut. Most of that expected damage is river and rain flooding (66%), then hurricanes (24%). Flood insurance has paid 153 claims here since 1978.
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 stands out about North Haven’s natural hazards
From FEMA’s model and FEMA’s records, below.
What North Haven 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 North Haven’s grade
River and rain flooding is 66% of the building damage FEMA expects in North Haven, and North Haven’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Coastal flooding adds 3%, at a rate in the top 4% of U.S. census tracts.
C+ #66 of 155 in Connecticut; higher expected damage per building than 57% of U.S. towns (21,298).
North Haven’s residents live in 5 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, North Haven has less expected damage per building than 58% of Connecticut towns.
In dollars, FEMA expects about $9.5M a year in losses across North Haven: $8.9M to buildings, the rest to people and crops.
Does North Haven flood? Yes: 153 flood claims since 1978
Every paid claim on a federal flood insurance policy in North Haven, from FEMA’s records: 15.5 per 1,000 homes, more than 81% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ida8 claims · $202K
- Hurricane Elsa4 claims · $42K
North Haven 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.North Haven and its neighbors
North Haven is 2nd 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 |
|---|---|---|---|
| Wallingford | B−more damage than 54% | river and rain flooding | 104 |
| North Haven | C+more damage than 57% | river and rain flooding | 153 |
| New Haven | C+more damage than 61% | river and rain flooding | 313 |
| North Branford | Cmore damage than 68% | river and rain flooding | 55 |
| Hamden | Cmore damage than 72% | river and rain flooding | 404 |
| East Haven | Cmore damage than 75% | river and rain flooding | 1,347 |
| Wallingford Center | — | a Census area inside a town; graded with the town | |
| Northford | — | 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 North Haven 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 North Haven
Is North Haven at risk for natural disasters?
On FEMA’s National Risk Index, North Haven has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk, #66 of 155 in Connecticut. Most of the expected damage is river and rain flooding (66%) and hurricanes (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does North Haven flood?
Flood insurance has paid 153 claims in North Haven since 1978, $2.1M in all, or 15.5 per 1,000 homes, more than 81% of U.S. towns with a flood insurance record. 25 properties have flooded more than once. The most claims came from Hurricane Ida (8).
Is North Haven 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, 52% of homes in mapped flood zones carry federal flood insurance, and 3.2% of all homes do.
How much is flood insurance in North Haven?
FEMA’s Community Rating System list shows no discount for North Haven’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 North Haven?
By flood claims, Hurricane Ida: 8 paid, $202K.
Is North Haven at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and North Haven’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Haven.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Haven’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.