🌍 ClimateRiskCheck

Natural Disaster Risk in Derby

Connecticut

7.5out of 10
High Risk

Risk Summary for Derby

Derby scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Ice Storm Coastal Flooding

All 18 Hazard Scores

Hurricane
9.7
Ice Storm
9.5
Coastal Flooding
9.2
Strong Wind
9.0
Winter Weather
9.0
Earthquake
8.8
Lightning
8.8
Landslide
8.8
Extreme Heat
8.3
Tornado
7.6
Cold Wave
7.6
Hail
6.0
Drought
5.6
Wildfire
5.4
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Derby
7.5
Connecticut avg.
6.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Derby, Connecticut

Derby, in Naugatuck Valley County, is a city of approximately 12,205 residents situated along the northeastern Atlantic Seaboard. Its humid continental climate brings cold winters, warm summers, and four well-defined seasons, and in particular nor'easter storms and coastal flooding in winter. These conditions collectively define the natural hazard environment that Derby residents and property owners must navigate.

Derby's overall natural disaster risk is rated 7.5/10 (High) by FEMA's National Risk Index. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Secondary hazards include ice storm and coastal flood.

Within Connecticut, Derby's risk is, slightly above the 6.8/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Naugatuck Valley County identifies hurricane as the foremost hazard, followed by ice storm and coastal flood. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Derby residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Derby: Hurricane preparedness

  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • Know your evacuation zone and route before hurricane season begins each June.

Local Factors for Derby

These city-level factors differentiate Derby from other communities in Naugatuck Valley County and provide geographic context for its hazard exposure.

Population

12,205

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.4/10

Coordinates

41.3265Β° N, 73.0832Β° W

Naugatuck Valley County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Derby

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Derby

Other cities in Connecticut

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.