Stonington Opera House · Photo: Choess · CC BY-SA 3.0On FEMA’s figures, Stonington faces less hazard damage per building than 69% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Stonington gets a B+ for hazard risk: lower expected damage per building than 69% of U.S. towns. Most of that expected damage is hurricanes (33%), then coastal flooding (31%). Flood insurance has paid 3 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 Stonington’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Stonington faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
Coastal flooding
River and rain flooding
Ice storms
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 Stonington’s grade
Hurricanes are 33% of the building damage FEMA expects in Stonington, and Stonington’s rate of hurricanes damage is higher than 86% of U.S. census tracts. Coastal flooding adds 31%, at a rate in the top 1% of U.S. census tracts.
B+ lower expected damage per building than 69% of U.S. towns (21,298).
All of Stonington’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $309K a year in losses across Stonington: $245K to buildings, the rest to people and crops.
Does Stonington flood? Rarely: 3 flood claims since 1978
Every paid claim on a federal flood insurance policy in Stonington, from FEMA’s records: 3.5 per 1,000 homes, more than 52% of the 13,809 U.S. towns with a flood insurance record.
Stonington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hancock County.6 federal disasters brought FEMA money to Stonington
Disasters that paid out in Stonington itself (aid to households or repair grants to the Town of Stonington), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding15 households applied for aid$7K aid approved$33K to the Town of Stonington for repairs2 flood claims paid that year
- 2017Severe Storm and Flooding$7K to the Town of Stonington for repairs
- 2009Severe Storms, Flooding, and Landslides$4K to the Town of Stonington for repairs
- 2007Severe Storms and Inland and Coastal Flooding$9K to the Town of Stonington for repairs
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$39K to the Town of Stonington for repairs
- 2002Severe Winter Cold and Frost$3K to the Town of Stonington for repairs
Hancock County has had 18 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Stonington after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stonington archive →Stonington and its neighbors
Stonington is 2nd of the 2 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 |
|---|---|---|---|
| Deer Isle | B+less damage than 69% | hurricanes | 1 |
| Stonington | B+less damage than 69% | hurricanes | 3 |
| Isle au Haut | — | 69 residents; we grade 1,000+ | |
| North Haven | — | 480 residents; we grade 1,000+ | |
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 Stonington faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Stonington
Is Stonington at risk for natural disasters?
On FEMA’s National Risk Index, Stonington has lower expected damage per building than 69% of U.S. towns: B+ for hazard risk. Most of the expected damage is hurricanes (33%) and coastal flooding (31%). 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 Stonington flood?
Flood insurance has paid 3 claims in Stonington since 1978, $65K in all, or 3.5 per 1,000 homes, more than 52% of U.S. towns with a flood insurance record.
Is Stonington 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 Hancock County, 13% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Stonington?
FEMA’s Community Rating System list shows no discount for Stonington’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 Stonington?
By FEMA money that reached Stonington, Severe Storms and Flooding (2024): 15 households applied for aid, $7K approved, and $33K to the Town of Stonington for repairs.
Is Stonington at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (33%), and Stonington’s rate for it is higher than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stonington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stonington’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.