Photo: User:Magicpiano · CC BY-SA 4.0Storms, floods and disasters in Groton
Groton isn’t graded for hazard risk: Groton has 507 residents; we grade towns of 1,000 or more.
What Groton 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
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.
Does Groton flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Groton. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Groton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grafton County.9 federal disasters brought FEMA money to Groton
Disasters that paid out in Groton itself (aid to households or repair grants to the Town of Groton), newest first, with that year’s flood claims.
- 2022Severe Storm and Flooding$155K to the Town of Groton for repairs
- 2019Severe Storm and Flooding$174K to the Town of Groton for repairs
- 2017Severe Storm and Flooding$382K to the Town of Groton for repairs
- 2017Severe Storms and Flooding$42K to the Town of Groton for repairs
- 2011Tropical Storm Irene$86K to the Town of Groton for repairs
- 2011Severe Storms and Flooding$10K to the Town of Groton for repairs
Show all 9
- 2010Severe Winter Storm$1K to the Town of Groton for repairs
- 2008Severe Storms and Flooding$11K to the Town of Groton for repairs
- 1999Tropical Storm Floyd$11K to the Town of Groton for repairs
Grafton County has had 34 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Groton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Groton archive →Groton and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Plymouth | Cmore damage than 71% | river and rain flooding | 11 |
| Rumney | Dmore damage than 86% | river and rain flooding | — |
| Canaan | Dmore damage than 86% | river and rain flooding | 10 |
| Dorchester | — | 410 residents; we grade 1,000+ | |
| Hebron | — | 883 residents; we grade 1,000+ | |
| Orange | — | 320 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 Groton 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.
- 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 Groton
Is Groton 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 Grafton County, 18% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Groton?
FEMA’s Community Rating System list shows no discount for Groton’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 Groton?
By FEMA money that reached Groton, Severe Storm and Flooding (2017): $382K to the Town of Groton for repairs.
Storm stories
Memories, warnings and help from neighbors in Groton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Groton’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.