Connecticut Flood Insurance

Find the right flood insurance policy for you.


Nobody expects a flood. Rising waters occur quickly and without prejudice. In fact, it only takes a few inches of water to cause severe damage to your home and belongings. Even if you don't live in a flood plain, floods can happen. Those without flood insurance depend on the protection of the Federal Emergency Management Agency (FEMA) and other government agencies. If you are a homeowner, it's critical to have flood insurance, but before you search for flood insurance quotes, there are several things to consider.

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Connecticut Flood Facts

  • In 1982, a flood in Connecticut caused eleven deaths; damaged 15,000 homes and 400 commercial buildings; and destroyed roads, bridges and dams.
  • The floods in 2007 caused $23.7 million in damage to 2,406 single-family residential units and caused $7.4 million in damage to businesses.
  • Floods don't just come from rain. Snowmelt, hurricanes and winter storms are also causes of floods.

Since the Atlantic Ocean fronts Connecticut, storms are common. All residents in Connecticut should purchase a flood policy in order to protect their belongings. Many people are under the assumption that their homeowners insurance covers floods. Unfortunately, it doesn't, leaving many having to pay out of pocket for the damage floods do.

Do You Have to Have Flood Insurance?

Depending on where you live in Connecticut, your mortgage lender may require you to have flood insurance. For example, if you reside in a FEMA-designated flood zone, you will be required to have flood insurance in order to purchase your home. FEMA is currently working on updating the CT flood maps, so rates may change.


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How Much Flood Insurance Do You Need?

When looking at flood insurance policies, there are three standard flood insurance policy forms:

  • Dwelling policy form: This policy will insure up to four single-family, residential buildings.
  • General property policy form: This policy can cover five or more residential or non-residential buildings.
  • Residential condominium building association policy form: If you're a landlord, this policy will cover townhouses and condominiums.

For all standard dwellings, your coverage will usually start with options like this:

  • Building property coverage up to $250,000
  • Personal property coverage up to $100,000

You may purchase either or both of these, although the National Flood Insurance Program (NFIP) recommends both so that your building and your property are both covered under the flood insurance policy. Your lender may also require you to have certain limits on your policy, so be sure to ask.

While these policies will cover both your home and most of your possessions, they will not cover cars, ATVs, boats and anything outside the residence.

Some flood insurance policies have limits on multi-story homes. For example, if you have a basement full of personal items, your policy may not cover those items.

You can choose from two different types of reimbursement for your flood policy:

  • Replacement cost value: This reimburses you for the total cost of a duplicate item.
  • Actual cash value: This reimburses you for the cost of the damaged items less depreciation, thus lowering the reimbursement amount.

You can purchase personal property flood insurance only with the ACV reimbursement option.

How Much Does Flood Insurance in Connecticut Cost?

Quotes for flood insurance will be set based on where your home is located, as well as a few factors personal to you:

  • Age and value of the home
  • Number of stories
  • Type of coverage you want
  • Location relative to a flood plain
  • Elevation off the ground

The average price of a flood insurance policy in Connecticut is $500, but your flood insurance premium may be more or less depending on the above factors.

How Do You Get Flood Insurance in Connecticut?

Floods are the number one disaster in the United States. In order to protect yourself, it's important to get flood insurance. Many insurance agencies work with the NFIP in order to make policies available to everyone. Whether you need to get quotes, adjust current policy limits, sign up for a new policy or even file a claim, a Trusted Choice® agent is always available to help.

Talk with a friendly, local independent agent for more information on your next flood insurance policy.

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