South Torrington Union Pacific Depot · Photo: Ammodramus · CC0Torrington’s building-damage rate from hail is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Torrington gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #16 of 28 in Wyoming. Most of that expected damage is river and rain flooding (61%), then hail (25%). Flood insurance has paid 1 claim here since 2016.
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 Torrington 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
Hail
Tornadoes
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 Torrington’s grade
River and rain flooding is 61% of the building damage FEMA expects in Torrington, and Torrington’s rate of river and rain flooding damage is lower than 56% of U.S. census tracts. Hail adds 25%, at a rate in the top 3% of U.S. census tracts.
B− #16 of 28 in Wyoming; lower expected damage per building than 52% of U.S. towns (21,298).
Torrington’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Wyoming town has lower expected damage than 55% of U.S. towns; within the state, Torrington has more expected damage per building than 56% of Wyoming towns.
In dollars, FEMA expects about $3.1M a year in losses across Torrington: $1.5M to buildings, the rest to people and crops.
Does Torrington flood? Rarely: 1 flood claim since 2016
Every paid claim on a federal flood insurance policy in Torrington, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
Torrington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Goshen County.The storms Torrington remembers
None of the 3 disasters declared for Goshen County shows FEMA aid or repair money reaching Torrington itself in FEMA’s records, so these are its biggest flood-claim years.
- 20161 flood claims paidNo declaration for the county that year
Goshen County has had 3 natural disasters declared by the President since 1953, most often severe storms, then winter storms.
Old photos of Torrington after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Torrington archive →Get ready for what Torrington 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.
- 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.
- 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.
- 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 Torrington
Is Torrington at risk for natural disasters?
On FEMA’s National Risk Index, Torrington has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #16 of 28 in Wyoming. Most of the expected damage is river and rain flooding (61%) and hail (25%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Torrington flood?
Flood insurance has paid 1 claim in Torrington since 2016, $5K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record.
Is Torrington 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 Goshen County, 1.4% of all homes carry federal flood insurance.
How much is flood insurance in Torrington?
FEMA’s Community Rating System list shows no discount for Torrington’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Torrington at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Torrington’s rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Torrington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Torrington’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.