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Flood insurance cost · CT

Flood insurance cost in Connecticut

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 19,809 home policies in force on August 31, 2026.

ConnecticutPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,582a year

Half of insured homes paid between $1,094 and $2,446. That is 46% more than the national median ($1,082). Most insured homes here are rated in zone AE (64%).

$0$1,094 · $1,582 · $2,446$3,058
+10.6% vs Aug 31, 2025 (median $1,430)
19,809home policies in force
$2,079average cost (mean)
76%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Connecticut

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$3,212$1,819–$4,899$3,5841,572 (8%)+7.0%
Zone AE
High risk		$1,832$1,282–$2,836$2,29912,677 (64%)+10.6%
Zone A
High risk		$1,333$940–$1,771$1,517733 (4%)+3.4%
Zone X
Moderate to low risk		$1,101$700–$1,370$1,0964,819 (24%)+7.4%

Not shown (fewer than 10 home policies): AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Connecticut, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home17,888$1,601$2,124
2–4 unit building1,071$1,876$2,343
Manufactured (mobile) home20$1,062$1,437
Condo or apartment unit830$669$786
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		1,151$3,752$5,674
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		2,091$3,668$4,843
23,051NFIP policies in force, any building
30,772insured units (condo association policies count every unit)
63%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Connecticut

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force20,57519,809−3.7%
Median annual cost$1,430$1,582+10.6%
Average annual cost$1,935$2,079+7.4%
All policies in force (any building)23,93623,051−3.7%

Flood claims history

Since 1978, NFIP policyholders in Connecticut have filed 29,492 flood claims. 23,202 received a payment, for a total of $554.7 million (an average of $23,909 per paid claim). The year with the most claims was 2012 (6,310 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 776 claims, 602 paid, $1,515,054 in total1979: 1,017 claims, 778 paid, $3,104,010 in total1980: 1,288 claims, 1,062 paid, $4,292,779 in total19801981: 42 claims, 15 paid, $39,408 in total1982: 1,875 claims, 1,565 paid, $11,459,569 in total1983: 404 claims, 269 paid, $1,244,019 in total1984: 784 claims, 564 paid, $4,602,004 in total1985: 894 claims, 599 paid, $4,796,966 in total1986: 47 claims, 19 paid, $116,268 in total1987: 204 claims, 121 paid, $851,748 in total1988: 54 claims, 24 paid, $91,173 in total1989: 252 claims, 141 paid, $987,361 in total1990: 63 claims, 33 paid, $157,720 in total19901991: 448 claims, 290 paid, $1,924,002 in total1992: 2,772 claims, 2,245 paid, $42,905,641 in total19921993: 77 claims, 34 paid, $487,603 in total1994: 135 claims, 73 paid, $909,034 in total1995: 144 claims, 92 paid, $885,867 in total1996: 1,060 claims, 745 paid, $8,119,198 in total1997: 35 claims, 13 paid, $70,942 in total1998: 106 claims, 68 paid, $478,035 in total1999: 267 claims, 181 paid, $4,106,034 in total2000: 186 claims, 120 paid, $1,980,402 in total20002001: 129 claims, 73 paid, $1,525,213 in total2002: 43 claims, 27 paid, $210,462 in total2003: 90 claims, 53 paid, $350,057 in total2004: 112 claims, 65 paid, $352,688 in total2005: 602 claims, 456 paid, $6,858,029 in total2006: 367 claims, 271 paid, $4,240,448 in total2007: 1,308 claims, 1,082 paid, $20,046,090 in total2008: 148 claims, 105 paid, $999,195 in total2009: 88 claims, 48 paid, $778,847 in total2010: 938 claims, 678 paid, $8,815,799 in total20102011: 4,176 claims, 3,396 paid, $98,307,425 in total20112012: 6,310 claims, 5,689 paid, $263,936,671 in total20122013: 69 claims, 43 paid, $410,733 in total2014: 75 claims, 43 paid, $409,228 in total2015: 22 claims2016: 25 claims2017: 51 claims, 26 paid, $327,685 in total2018: 425 claims, 328 paid, $10,013,190 in total2019: 60 claims, 28 paid, $522,584 in total2020: 37 claims, 18 paid, $268,956 in total20202021: 963 claims, 774 paid, $28,898,694 in total2022: 67 claims, 39 paid, $1,007,855 in total2023: 129 claims, 90 paid, $2,532,081 in total2024: 244 claims, 173 paid, $8,237,801 in total2025: 11 claims2026: 73 claims, 25 paid, $357,497 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20267325$357,497$14,300
202511<10––
2024244173$8,237,801$47,617
202312990$2,532,081$28,134
20226739$1,007,855$25,842
2021963774$28,898,694$37,337
20203718$268,956$14,942
20196028$522,584$18,664
2018425328$10,013,190$30,528
20175126$327,685$12,603
201625<10––
201522<10––
20147543$409,228$9,517
20136943$410,733$9,552
20126,3105,689$263,936,671$46,394
20114,1763,396$98,307,425$28,948
2010938678$8,815,799$13,003
20098848$778,847$16,226
2008148105$999,195$9,516
20071,3081,082$20,046,090$18,527
2006367271$4,240,448$15,647
2005602456$6,858,029$15,040
200411265$352,688$5,426
20039053$350,057$6,605
20024327$210,462$7,795
200112973$1,525,213$20,893
2000186120$1,980,402$16,503
1999267181$4,106,034$22,685
199810668$478,035$7,030
19973513$70,942$5,457
19961,060745$8,119,198$10,898
199514492$885,867$9,629
199413573$909,034$12,453
19937734$487,603$14,341
19922,7722,245$42,905,641$19,112
1991448290$1,924,002$6,634
19906333$157,720$4,779
1989252141$987,361$7,003
19885424$91,173$3,799
1987204121$851,748$7,039
19864719$116,268$6,119
1985894599$4,796,966$8,008
1984784564$4,602,004$8,160
1983404269$1,244,019$4,625
19821,8751,565$11,459,569$7,322
19814215$39,408$2,627
19801,2881,062$4,292,779$4,042
19791,017778$3,104,010$3,990
1978776602$1,515,054$2,517

From 2016 to 2026: 2,085 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Connecticut

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Tolland County96$1,198
Windham County90$1,282

ZIP codes with the most insured homes