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–Not graded
Natural hazards in Norwalk · FEMA

Storms, floods and disasters in Norwalk

Norwalk isn’t graded for hazard risk: Norwalk has 662 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 1978.

Flood claims
4
paid since 1978 · $13K
Disasters paid out here
2
of 12 declared for Monroe County
By hazard

What Norwalk 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

87%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 1 years in the area

Hail

6%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Recorded about 3 times a year in the area

Tornadoes

6%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about once every 16 years in the area
Smaller shares here
 Strong wind Lightning Winter storms Hurricanes Earthquakes Wildfire Ice storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 24% of Norwalk’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Flood insurance claims

Does Norwalk flood? Rarely: 4 flood claims since 1978

Every paid claim on a federal flood insurance policy in Norwalk, from FEMA’s records.

Paid flood claims, by year
1978: 1 claim1979: 0 claims1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 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: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 3 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19782018
19782026
4
paid claims since 1978
$13K
paid to owners
0
homes flooded more than once
$3K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Norwalk isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Monroe County.
Disasters

2 federal disasters brought FEMA money to Norwalk

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

  1. 2018Severe Storms, Tornadoes, Straight-line Winds, Flooding, and Landslides46 households applied for aid$136K aid approved$150K to the Village of Norwalk for repairs3 flood claims paid that year
  2. 2008Severe Storms, Tornadoes, and Flooding6 households applied for aid$10K aid approved
Disasters declared, by decade
Paid out in NorwalkMonroe County only

Monroe County has had 12 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.

Were you here?

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

Add to the Norwalk archive →
Be ready

Get ready for what Norwalk 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 ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
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 Norwalk

Does Norwalk flood?

Flood insurance has paid 4 claims in Norwalk since 1978, $13K in all.

Is Norwalk 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 Monroe County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Norwalk?

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

By FEMA money that reached Norwalk, Severe Storms, Tornadoes, Straight-line Winds, Flooding, and Landslides (2018): 46 households applied for aid, $136K approved, and $150K to the Village of Norwalk for repairs.

Storm stories

Memories, warnings and help from neighbors in Norwalk.

Town Square →
Start the conversation

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