🌍 ClimateRiskCheck

Natural Disaster Risk in East Lyme

Connecticut

6.7out of 10
High Risk

Risk Summary for East Lyme

East Lyme scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Earthquake

All 18 Hazard Scores

Hurricane
9.6
Coastal Flooding
9.6
Earthquake
8.3
Ice Storm
8.2
Winter Weather
8.0
Landslide
8.0
Lightning
7.9
Extreme Heat
7.5
Strong Wind
6.3
Tornado
5.9
Tsunami
5.4
Hail
5.2
Volcanic Activity
5.1
Cold Wave
5.0
Wildfire
4.7
Avalanche
4.5
Drought
4.1
Riverine Flooding
1.0

How it compares

East Lyme
6.7
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: East Lyme, Connecticut

East Lyme, in Southeastern Connecticut County, is a town of roughly 7,389 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 East Lyme residents and property owners must navigate.

According to FEMA's National Risk Index, East Lyme carries an overall risk score of 6.7/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and earthquake.

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

East Lyme's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for East Lyme: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Local Factors for East Lyme

These city-level factors differentiate East Lyme from other communities in Southeastern Connecticut County and provide geographic context for its hazard exposure.

Population

7,389

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.7/10

Coordinates

41.3860Β° N, 72.2453Β° W

Southeastern Connecticut 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 East Lyme

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in East Lyme

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.