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Flood insurance cost · Fairfield County, CT

Flood insurance cost in Fairfield County, Connecticut

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 8,871 home policies in force on August 31, 2026.

Fairfield County, ConnecticutPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,547a year

Half of insured homes paid between $1,076 and $2,432. That is 2% less than the Connecticut median ($1,582). Most insured homes here are rated in zone AE (68%).

$0$1,076 · $1,547 · $2,432$3,040
+8.7% vs Aug 31, 2025 (median $1,423)
8,871home policies in force
$2,065average cost (mean)
77%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 Fairfield County

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		$2,760$1,587–$4,741$3,367448 (5%)+1.1%
Zone AE
High risk		$1,849$1,267–$2,943$2,3456,014 (68%)+10.6%
Zone A
High risk		$1,328$964–$1,707$1,406383 (4%)+2.8%
Zone X
Moderate to low risk		$1,046$667–$1,365$1,0722,026 (23%)+4.5%

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 Fairfield County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home7,985$1,578$2,106
2–4 unit building564$1,770$2,180
Condo or apartment unit320$702$840
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.		489$4,019$6,640
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		937$3,841$5,022

Not shown (fewer than 10 policies): manufactured (mobile) home.

10,297NFIP policies in force, any building
14,137insured units (condo association policies count every unit)
63%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Fairfield County

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 force9,1458,871−3.0%
Median annual cost$1,423$1,547+8.7%
Average annual cost$1,938$2,065+6.6%
All policies in force (any building)10,59310,297−2.8%

Flood claims history

Since 1978, NFIP policyholders in Fairfield County, Connecticut have filed 12,696 flood claims. 10,216 received a payment, for a total of $283.9 million (an average of $27,791 per paid claim). The year with the most claims was 2012 (3,226 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 367 claims, 297 paid, $845,569 in total1979: 270 claims, 197 paid, $716,208 in total1980: 762 claims, 631 paid, $2,403,695 in total19801981: 13 claims1982: 257 claims, 215 paid, $1,475,303 in total1983: 78 claims, 45 paid, $123,609 in total1984: 225 claims, 156 paid, $732,039 in total1985: 138 claims, 88 paid, $463,454 in total1986: 17 claims1987: 39 claims, 20 paid, $181,523 in total1988: 13 claims1989: 104 claims, 58 paid, $338,829 in total1990: 15 claims19901991: 210 claims, 143 paid, $1,052,084 in total1992: 1,582 claims, 1,319 paid, $27,005,076 in total19921993: 29 claims, 10 paid, $275,304 in total1994: 45 claims, 23 paid, $230,348 in total1995: 28 claims, 16 paid, $190,103 in total1996: 455 claims, 330 paid, $3,226,752 in total1997: 18 claims1998: 15 claims1999: 128 claims, 93 paid, $3,015,444 in total2000: 120 claims, 95 paid, $1,890,926 in total20002001: 46 claims, 25 paid, $1,096,502 in total2002: 18 claims, 11 paid, $108,314 in total2003: 24 claims, 14 paid, $125,400 in total2004: 53 claims, 32 paid, $232,210 in total2005: 105 claims, 74 paid, $1,001,797 in total2006: 283 claims, 212 paid, $3,482,715 in total2007: 902 claims, 753 paid, $14,643,041 in total2008: 54 claims, 31 paid, $320,560 in total2009: 16 claims2010: 317 claims, 214 paid, $2,301,433 in total20102011: 1,381 claims, 1,117 paid, $23,281,802 in total20112012: 3,226 claims, 2,948 paid, $156,432,613 in total20122013: 16 claims, 12 paid, $142,260 in total2014: 37 claims, 18 paid, $122,374 in total2016: 11 claims2017: 26 claims, 16 paid, $143,183 in total2018: 298 claims, 241 paid, $7,233,449 in total2019: 20 claims2020: 18 claims, 11 paid, $196,963 in total20202021: 657 claims, 538 paid, $23,034,055 in total2022: 20 claims, 11 paid, $189,302 in total2023: 50 claims, 34 paid, $901,284 in total2024: 127 claims, 91 paid, $3,957,754 in total2026: 49 claims, 19 paid, $327,537 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 (47)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20264919$327,537$17,239
202412791$3,957,754$43,492
20235034$901,284$26,508
20222011$189,302$17,209
2021657538$23,034,055$42,814
20201811$196,963$17,906
201920<10––
2018298241$7,233,449$30,014
20172616$143,183$8,949
201611<10––
20143718$122,374$6,799
20131612$142,260$11,855
20123,2262,948$156,432,613$53,064
20111,3811,117$23,281,802$20,843
2010317214$2,301,433$10,754
200916<10––
20085431$320,560$10,341
2007902753$14,643,041$19,446
2006283212$3,482,715$16,428
200510574$1,001,797$13,538
20045332$232,210$7,257
20032414$125,400$8,957
20021811$108,314$9,847
20014625$1,096,502$43,860
200012095$1,890,926$19,904
199912893$3,015,444$32,424
199815<10––
199718<10––
1996455330$3,226,752$9,778
19952816$190,103$11,881
19944523$230,348$10,015
19932910$275,304$27,530
19921,5821,319$27,005,076$20,474
1991210143$1,052,084$7,357
199015<10––
198910458$338,829$5,842
198813<10––
19873920$181,523$9,076
198617<10––
198513888$463,454$5,267
1984225156$732,039$4,693
19837845$123,609$2,747
1982257215$1,475,303$6,862
198113<10––
1980762631$2,403,695$3,809
1979270197$716,208$3,636
1978367297$845,569$2,847

From 2016 to 2026: 1,276 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.

ZIP codes in Fairfield County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Fairfield (1,969 home policies) · Greenwich (1,259 home policies) · Stratford (1,076 home policies) · Westport (966 home policies) · Norwalk (951 home policies) · Stamford (723 home policies)