Photo: Unknown authorUnknown author · Public domainWoodmont’s building-damage rate from coastal flooding is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Woodmont gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (49%), then hurricanes (30%). FEMA’s files show no paid flood insurance claims here.
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 Woodmont’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Woodmont 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 Woodmont’s grade
River and rain flooding is 49% of the building damage FEMA expects in Woodmont, and Woodmont’s rate of river and rain flooding damage is lower than 78% of U.S. census tracts. Coastal flooding adds 13%, at a rate in the top 2% of U.S. census tracts.
B lower expected damage per building than 63% of U.S. towns (21,298).
Woodmont’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $384K a year in losses across Woodmont: $355K to buildings, the rest to people and crops.
Does Woodmont flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Woodmont. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Woodmont 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.Woodmont and its neighbors
Woodmont has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Woodmont | Bless damage than 63% | river and rain flooding | 0 |
| West Haven | B−less damage than 53% | river and rain flooding | 392 |
| Milford | Cmore damage than 72% | river and rain flooding | 2,701 |
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 Woodmont 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Woodmont
Is Woodmont at risk for natural disasters?
On FEMA’s National Risk Index, Woodmont has lower expected damage per building than 63% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (49%) and hurricanes (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Woodmont 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 Woodmont?
FEMA’s Community Rating System list shows no discount for Woodmont’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Woodmont at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (49%), and Woodmont’s rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Woodmont.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Woodmont’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.