Photo: Tomticker5 · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Trumbull as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Trumbull gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns, #35 of 155 in Connecticut. Most of that expected damage is river and rain flooding (67%), then hurricanes (28%). Flood insurance has paid 151 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 Trumbull’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Trumbull 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 Trumbull’s grade
River and rain flooding is 67% of the building damage FEMA expects in Trumbull, and Trumbull’s rate of river and rain flooding damage is higher than 51% of U.S. census tracts. Next is hurricanes at 28% (higher than 87% of U.S. census tracts).
B− #35 of 155 in Connecticut; lower expected damage per building than 53% of U.S. towns (21,298).
Trumbull’s residents live in 7 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, Trumbull has less expected damage per building than 78% of Connecticut towns.
In dollars, FEMA expects about $10.0M a year in losses across Trumbull: $9.2M to buildings, the rest to people and crops.
Does Trumbull flood? Yes: 151 flood claims since 1978
Every paid claim on a federal flood insurance policy in Trumbull, from FEMA’s records: 11.8 per 1,000 homes, more than 77% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene5 claims · $34K
- Hurricane Ida3 claims · $62K
Trumbull is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: the county.13 federal disasters brought FEMA money to Trumbull
Disasters that paid out in Trumbull itself (aid to households or repair grants to the Town of Trumbull), newest first, with that year’s flood claims.
- 2024Severe Storm, Flooding, Landslides, and Mudslides$180K to the Town of Trumbull for repairs
- 2021Remnants of Hurricane Ida$15K to the Town of Trumbull for repairs3 flood claims paid for it, $62K
- 2020Tropical Storm Isaias$660K to the Town of Trumbull for repairs1 flood claim paid that year
- 2013Severe Winter Storm and Snowstorm$243K to the Town of Trumbull for repairs1 flood claim paid that year
- 2012Hurricane Sandy$857K to the Town of Trumbull for repairs
- 2011Severe Storm$301K to the Town of Trumbull for repairs
Show all 13
- 2011Tropical Storm Irene$263K to the Town of Trumbull for repairs5 flood claims paid for it, $34K
- 2011Snowstorm$103K to the Town of Trumbull for repairs
- 2007Severe Storms and Flooding$52K to the Town of Trumbull for repairs28 flood claims paid that year
- 2006Snow$83K to the Town of Trumbull for repairs15 flood claims paid that year
- 2005Record Snow$126K to the Town of Trumbull for repairs3 flood claims paid that year
- 2003Snow$97K to the Town of Trumbull for repairs
- 2003Snow$57K to the Town of Trumbull for repairs
Old photos of Trumbull after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Trumbull archive →Trumbull and its neighbors
Trumbull is 3rd of the 7 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 |
|---|---|---|---|
| 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 |
| Shelton | C+more damage than 64% | river and rain flooding | 138 |
| Stratford | Cmore damage than 69% | river and rain flooding | 628 |
| Fairfield | C−more damage than 79% | river and rain flooding | 2,056 |
| Bridgeport | C−more damage than 80% | river and rain flooding | 711 |
| Trumbull Center | — | 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 | |
| Stepney | — | 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 Trumbull 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.
- Trumbull 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 Trumbull
Is Trumbull at risk for natural disasters?
On FEMA’s National Risk Index, Trumbull has lower expected damage per building than 53% of U.S. towns: B− for hazard risk, #35 of 155 in Connecticut. Most of the expected damage is river and rain flooding (67%) and hurricanes (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Trumbull flood?
Flood insurance has paid 151 claims in Trumbull since 1978, $1.1M in all, or 11.8 per 1,000 homes, more than 77% of U.S. towns with a flood insurance record. 29 properties have flooded more than once. The most claims came from Hurricane Irene (5).
Is Trumbull 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 Trumbull?
Trumbull 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 Trumbull?
By FEMA money that reached Trumbull, Hurricane Sandy (2012): $857K to the Town of Trumbull for repairs. By flood claims, Hurricane Irene: 5 paid, $34K.
Is Trumbull at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Trumbull’s rate for it is higher than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Trumbull.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Trumbull’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.