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Flood insurance cost · Hartford County, CT

Flood insurance cost in Hartford County, Connecticut

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,215 home policies in force on August 31, 2026.

Hartford County, ConnecticutPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,204a year

Half of insured homes paid between $862 and $1,680. That is 24% less than the Connecticut median ($1,582). The most common flood zone for insured homes here is zone AE (49%).

$0$862 · $1,204 · $1,680$2,100
+11.5% vs Aug 31, 2025 (median $1,080)
1,215home policies in force
$1,531average cost (mean)
55%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 Hartford 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 AE
High risk		$1,598$1,115–$2,582$2,023600 (49%)+3.9%
Zone A
High risk		$1,175$848–$1,447$1,24065 (5%)+7.6%
Zone X
Moderate to low risk		$1,060$704–$1,217$1,027548 (45%)+7.9%

Not shown (fewer than 10 home policies): VE, 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 Hartford County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,095$1,207$1,540
2–4 unit building54$1,673$2,357
Condo or apartment unit63$550$625
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.		43$2,842$4,518
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		256$3,427$4,169

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

1,514NFIP policies in force, any building
1,792insured units (condo association policies count every unit)
60%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Hartford 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 force1,3021,215−6.7%
Median annual cost$1,080$1,204+11.5%
Average annual cost$1,421$1,531+7.7%
All policies in force (any building)1,6451,514−8.0%

Flood claims history

Since 1978, NFIP policyholders in Hartford County, Connecticut have filed 1,933 flood claims. 1,434 received a payment, for a total of $15.2 million (an average of $10,628 per paid claim). The year with the most claims was 2011 (291 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 48 claims, 34 paid, $83,847 in total1979: 190 claims, 140 paid, $828,418 in total19791980: 61 claims, 45 paid, $167,394 in total19801982: 252 claims, 208 paid, $975,754 in total19821983: 41 claims, 27 paid, $164,573 in total1984: 156 claims, 116 paid, $971,758 in total1985: 10 claims1987: 41 claims, 23 paid, $74,090 in total1989: 30 claims, 13 paid, $150,580 in total19901992: 46 claims, 36 paid, $220,397 in total1994: 14 claims1996: 25 claims, 16 paid, $54,753 in total1998: 17 claims, 12 paid, $109,888 in total1999: 79 claims, 60 paid, $848,745 in total20002001: 15 claims2003: 19 claims, 15 paid, $70,729 in total2005: 177 claims, 144 paid, $1,777,869 in total2006: 26 claims, 21 paid, $171,433 in total2007: 80 claims, 71 paid, $995,893 in total2008: 30 claims, 23 paid, $144,296 in total2009: 14 claims2010: 19 claims, 12 paid, $60,901 in total20102011: 291 claims, 237 paid, $4,979,626 in total20112012: 12 claims2013: 10 claims2018: 12 claims2019: 12 claims20202021: 90 claims, 74 paid, $1,158,157 in total2023: 30 claims, 21 paid, $541,170 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 (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233021$541,170$25,770
20219074$1,158,157$15,651
201912<10––
201812<10––
201310<10––
201212<10––
2011291237$4,979,626$21,011
20101912$60,901$5,075
200914<10––
20083023$144,296$6,274
20078071$995,893$14,027
20062621$171,433$8,163
2005177144$1,777,869$12,346
20031915$70,729$4,715
200115<10––
19997960$848,745$14,146
19981712$109,888$9,157
19962516$54,753$3,422
199414<10––
19924636$220,397$6,122
19893013$150,580$11,583
19874123$74,090$3,221
198510<10––
1984156116$971,758$8,377
19834127$164,573$6,095
1982252208$975,754$4,691
19806145$167,394$3,720
1979190140$828,418$5,917
19784834$83,847$2,466

From 2016 to 2026: 144 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.

Main NFIP communities in the county

West Hartford (196 home policies) · East Hartford (163 home policies) · New Britain (91 home policies) · Bristol (77 home policies) · Glastonbury (75 home policies) · Wethersfield (75 home policies)