Flood insurance in Connecticut

Flood insurance policies, average premiums, flood zones and claims history for Connecticut, county by county, from official FEMA records.

Policies as of 5 September 2026Source: FEMA OpenFEMA
Active flood policies
31,414
NFIP policies in force
Average yearly premium
$1,998
$728 above the US average
Claims paid since 1978
$554.7M
across 29,492 claims
Policies in high-risk zones
79%
zones A and V, where known

Flood claims paid per year

NFIP claims paid in Connecticut, 2000–2026

The three costliest years. The worst was 2012, with $263.9 million paid on 6,310 claims.

Insured buildings by flood zone

Zone V / VE8%
Coastal high-hazard areas with wave action. Flood insurance is required with a federally backed mortgage.
Zone A / AE72%
High-risk areas with a 1% chance of flooding each year. Insurance is required with a federally backed mortgage.
Zone X, B, C21%
Moderate to low risk. Insurance is optional, and policies are usually much cheaper.

Zone not reported for 33% of policies; shares are of policies with a known zone.

Costliest flood events

Named events by NFIP claims paid in Connecticut

EventYearClaimsPaid
Hurricane Sandy20126,199$262.9 million
Hurricane Irene20113,508$89.9 million
December Storm - Nor'easter19922,426$39.2 million
Hurricane Ida2021707$25.2 million
Not a named storm19821,714$11.0 million

Flood insurance by county

Counties in Connecticut with detailed pages, by number of policies. 2 smaller counties are included in the state totals.

CountyPoliciesAvg premiumClaims since 1978Paid
Fairfield County14,346$2,03612,667$283.7 million
New Haven County8,163$2,0529,609$173.0 million
New London County3,508$1,9032,155$31.2 million
Middlesex County2,551$2,0202,242$38.3 million
Hartford County1,802$1,6351,922$15.2 million
Litchfield County765$2,145479$7.1 million

Common questions

How much does flood insurance cost in Connecticut?

The average NFIP flood insurance policy in Connecticut costs about $1,998 a year. Your own premium depends on your building's flood risk, elevation and the coverage you choose.

How many homes have flood insurance in Connecticut?

There are about 31,414 National Flood Insurance Program policies in force in Connecticut, according to FEMA's latest policy data. Private flood policies are not included.

How often does Connecticut flood?

Since 1978, NFIP policyholders in Connecticut have filed 29,492 flood claims, with $554.7 million paid out. 2,060 of those claims were in the last 10 years.

Does homeowners insurance cover flooding?

No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.

How long until a new flood policy starts?

NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.

How to get flood insurance

Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.