How much flood risk does Naugatuck Valley Planning Region actually carry?
Naugatuck Valley Planning Region lands at the 96.3th percentile of FEMA's National Risk Index for flooding, "Relatively High" territory — well above the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3.5 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Naugatuck Valley Planning Region's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 38.1% of them do — 353 active policies against 926 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Naugatuck Valley Planning Region, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Naugatuck Valley Planning Region ranks
Naugatuck Valley Planning Region sits at rank 126 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 160 of 3144 by population (1 is biggest). Naugatuck Valley Planning Region, Connecticut covers 412.784 square miles and counts roughly 462,220 residents.
Your street may differ from Naugatuck Valley Planning Region's average
FEMA counts 121,343 residential structures in Naugatuck Valley Planning Region overall, 548 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Naugatuck Valley Planning Region's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.