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Warren Congregational Church, Warren CTPhoto: John Phelan · CC BY-SA 4.0
B−Hazard risk
Natural hazards in Warren · FEMA

FEMA expects about as much hazard damage per building in Warren as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Warren gets a B− for hazard risk: lower expected damage per building than 50% of U.S. towns. Most of that expected damage is river and rain flooding (79%), then hurricanes (14%). Flood insurance has paid 4 claims here since 1984.

River and rain flooding 79%Hurricanes 14%Tornadoes 3%

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

less than 50%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Connecticut · lower than 50% of U.S. towns
Main hazard
River and rain flooding
79% of expected building damage
Flood claims
4
paid since 1984 · $20K
Flooded more than once
2
properties
By hazard

What Warren 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

79%of expected building damage
Above average · higher than 65% of U.S. census tracts
Recorded about 4 times a year in the area

Hurricanes

14%of expected building damage
Well above average · higher than 83% of U.S. census tracts
Recorded about once every 10 years in the area
Smaller shares here
 Tornadoes Earthquakes Ice storms Strong wind Wildfire Hail Winter storms Landslides Lightning Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Warren’s grade

River and rain flooding is 79% of the building damage FEMA expects in Warren, and Warren’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts. Next is hurricanes at 14% (higher than 83% of U.S. census tracts).

Where Warren sits
Warren
Least damageMiddleMost damage

B− lower expected damage per building than 50% of U.S. towns (21,298).

All of Warren’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding79%Hurricanes14%Everything else7%

In dollars, FEMA expects about $635K a year in losses across Warren: $583K to buildings, the rest to people and crops.

Shared tract.All of Warren’s 1,351 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Warren flood? Rarely: 4 flood claims since 1984

Every paid claim on a federal flood insurance policy in Warren, from FEMA’s records: 5.5 per 1,000 homes, more than 62% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1984: 1 claim1985: 0 claims1986: 0 claims1987: 1 claim1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 1 claim2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198419872005
19842026
4
paid claims since 1984
$20K
paid to owners
2
homes flooded more than once
$5K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of all homes are insured
No community discount

Warren 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.
Disasters

10 federal disasters brought FEMA money to Warren

Disasters that paid out in Warren itself (aid to households or repair grants to the Town of Warren), newest first, with that year’s flood claims.

  1. 2021Remnants of Hurricane Ida$24K to the Town of Warren for repairs
  2. 2020Tropical Storm Isaias$51K to the Town of Warren for repairs
  3. 2013Severe Winter Storm and Snowstorm$11K to the Town of Warren for repairs
  4. 2012Hurricane Sandy$15K to the Town of Warren for repairs
  5. 2011Tropical Storm Irene$17K to the Town of Warren for repairs
  6. 2011Snowstorm$15K to the Town of Warren for repairs
Show all 10
  1. 2005Severe Storms and Flooding$11K to the Town of Warren for repairs
  2. 2005Record Snow$9K to the Town of Warren for repairs
  3. 2003Snow$6K to the Town of Warren for repairs
  4. 2003Snow$6K to the Town of Warren for repairs
Were you here?

Old photos of Warren after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Warren archive →
Next door

Warren and its neighbors

Warren has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.

Litchfield: hazard risk C+Kent: hazard risk DWashington: hazard risk CNew Preston: not gradedCornwall: hazard risk C−LitchfieldKentWashingtonNew PrestonCornwallWarren
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
WarrenB−less damage than 50%river and rain flooding4
LitchfieldC+more damage than 56%river and rain flooding9
WashingtonCmore damage than 75%river and rain flooding8
CornwallC−more damage than 79%river and rain flooding2
KentDmore damage than 86%river and rain flooding18
New Preston—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.

Be ready

Get ready for what Warren faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Warren

Is Warren at risk for natural disasters?

On FEMA’s National Risk Index, Warren has lower expected damage per building than 50% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (79%) and hurricanes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Warren flood?

Flood insurance has paid 4 claims in Warren since 1984, $20K in all, or 5.5 per 1,000 homes, more than 62% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.

Is Warren 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, 0.7% of all homes carry federal flood insurance.

How much is flood insurance in Warren?

FEMA’s Community Rating System list shows no discount for Warren’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 Warren?

By FEMA money that reached Warren, Tropical Storm Isaias (2020): $51K to the Town of Warren for repairs.

Is Warren at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (79%), and Warren’s rate for it is higher than 65% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Warren.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warren’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.