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Connecticut · Risk Readiness

What's actually likely where you live.

Before the emergency — maps, tools, and the honest picture of what Connecticut throws at different parts of the state.

See CT hazards

CT hazard profile

Primary hazards. Ranked.

Connecticut's most frequent and damaging hazard. The February 2013 'Nemo' blizzard dropped 40 inches in some areas — the largest snowfall in state history. The October 2011 Alfred nor'easter knocked out power to 830,000 customers for up to 10 days. Major nor'easters hit CT several times per winter, and the late-season wet snow events are particularly destructive to trees and power lines. Connecticut's Long Island Sound coastline faces storm surge from both hurricanes and nor'easters. Sandy (2012) caused significant coastal damage and flooding across the shoreline towns. Irene (2011) caused $900M in damage from flooding across the state. The Connecticut River valley from Hartford to the Sound floods with every major tropical system that tracks up the coast. The Connecticut, Housatonic, and Thames rivers all flood regularly. Hartford has flooded catastrophically multiple times — the 1936 flood killed 19 people. Inland flash flooding in the hilly western and eastern uplands can be sudden and severe. Basement flooding from combined sewer overflow affects urban communities statewide during heavy rain events.

Official tools

Look up your address. Know your risk.

Insurance gaps

What your homeowner's policy doesn't cover.

Standard homeowner's policies in Connecticut exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.

Not in your standard policy

Flood damage — requires NFIP or private flood policy

Earthquake damage — requires separate endorsement

Sewer & drain backup — requires endorsement ($50–$100/yr)

Landslide / mudflow — generally excluded

Next steps

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During an emergency

Find alerts, contacts, and shelters.

NC emergency contacts, alert signups, and real-time information.

Local Emergency

Get prepared

Run through the CT checklist.

Step-by-step actions based on the hazards that apply to Connecticut.

CT Checklists