Photo: M.M.Dwyer · CC BY-SA 4.0On FEMA’s figures, Stratford faces more hazard damage per building than 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stratford gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns, #103 of 155 in Connecticut. Most of that expected damage is river and rain flooding (63%), then hurricanes (22%). Flood insurance has paid 628 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 Stratford’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Stratford 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
Coastal 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 Stratford’s grade
River and rain flooding is 63% of the building damage FEMA expects in Stratford, and Stratford’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Coastal flooding adds 10%, at a rate in the top 2% of U.S. census tracts.
C #103 of 155 in Connecticut; higher expected damage per building than 69% of U.S. towns (21,298).
Stratford’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, Stratford has more expected damage per building than 66% of Connecticut towns.
In dollars, FEMA expects about $17.3M a year in losses across Stratford: $15.9M to buildings, the rest to people and crops.
Does Stratford flood? Yes: 628 flood claims since 1978
Every paid claim on a federal flood insurance policy in Stratford, from FEMA’s records: 29.0 per 1,000 homes, more than 88% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy87 claims · $3.9M
- The December Storm - nor’easter83 claims · $1.7M
- Hurricane Irene63 claims · $1.5M
Stratford is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: the county.12 federal disasters brought FEMA money to Stratford
Disasters that paid out in Stratford itself (aid to households or repair grants to the Town of Stratford), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$647K to the Town of Stratford for repairs5 flood claims paid that year
- 2013Severe Winter Storm and Snowstorm$409K to the Town of Stratford for repairs2 flood claims paid that year
- 2012Hurricane Sandy$2.7M to the Town of Stratford for repairs87 flood claims paid for it, $3.9M
- 2011Severe Storm$67K to the Town of Stratford for repairs
- 2011Tropical Storm Irene$1.5M to the Town of Stratford for repairs63 flood claims paid for it, $1.5M
- 2011Snowstorm$215K to the Town of Stratford for repairs
Show all 12
- 2010Severe Storms and Flooding$164K to the Town of Stratford for repairs10 flood claims paid that year
- 2007Severe Storms and Flooding$35K to the Town of Stratford for repairs18 flood claims paid that year
- 2006Snow$76K to the Town of Stratford for repairs27 flood claims paid that year
- 2005Record Snow$82K to the Town of Stratford for repairs7 flood claims paid that year
- 2003Snow$97K to the Town of Stratford for repairs
- 2003Snow$73K to the Town of Stratford for repairs
Old photos of Stratford after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stratford archive →Stratford and its neighbors
Stratford is 3rd of the 5 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 |
|---|---|---|---|
| Trumbull | B−less damage than 53% | river and rain flooding | 151 |
| Shelton | C+more damage than 64% | river and rain flooding | 138 |
| Stratford | Cmore damage than 69% | river and rain flooding | 628 |
| Milford | Cmore damage than 72% | river and rain flooding | 2,701 |
| Bridgeport | C−more damage than 80% | river and rain flooding | 711 |
| Oronoque | — | a Census area inside a town; graded with the town | |
| Trumbull Center | — | a Census area inside a town; graded with the town | |
| Lordship | — | 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 Stratford 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
- Stratford residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Stratford
Is Stratford at risk for natural disasters?
On FEMA’s National Risk Index, Stratford has higher expected damage per building than 69% of U.S. towns: C for hazard risk, #103 of 155 in Connecticut. Most of the expected damage is river and rain flooding (63%) and hurricanes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Stratford flood?
Flood insurance has paid 628 claims in Stratford since 1978, $11.8M in all, or 29.0 per 1,000 homes, more than 88% of U.S. towns with a flood insurance record. 76 properties have flooded more than once. The most claims came from Hurricane Sandy (87).
Is Stratford 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 Stratford?
Stratford is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Stratford?
By FEMA money that reached Stratford, Hurricane Sandy (2012): $2.7M to the Town of Stratford for repairs. By flood claims, Hurricane Sandy: 87 paid, $3.9M.
Is Stratford at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (63%), and Stratford’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stratford.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stratford’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.