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Flood insurance cost · Middlesex County, CT

Flood insurance cost in Middlesex County, Connecticut

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,936 home policies in force on August 31, 2026.

Middlesex County, ConnecticutPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,779a year

Half of insured homes paid between $1,266 and $2,738. That is 12% more than the Connecticut median ($1,582). Most insured homes here are rated in zone AE (67%).

$0$1,266 · $1,779 · $2,738$3,422
+11.7% vs Aug 31, 2025 (median $1,592)
1,936home policies in force
$2,310average cost (mean)
81%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 Middlesex 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		$4,020$2,230–$5,526$4,095222 (11%)+4.7%
Zone AE
High risk		$1,870$1,401–$2,679$2,2981,306 (67%)+10.7%
Zone A
High risk		$1,576$1,054–$2,506$1,95438 (2%)+3.8%
Zone X
Moderate to low risk		$1,248$1,080–$1,408$1,307363 (19%)+15.1%

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 Middlesex County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,771$1,847$2,384
2–4 unit building53$2,149$2,988
Condo or apartment unit110$736$791
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.		91$2,718$3,988
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		139$3,494$4,786

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

2,166NFIP policies in force, any building
2,513insured units (condo association policies count every unit)
63%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Middlesex 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 force2,0361,936−4.9%
Median annual cost$1,592$1,779+11.7%
Average annual cost$2,107$2,310+9.6%
All policies in force (any building)2,2752,166−4.8%

Flood claims history

Since 1978, NFIP policyholders in Middlesex County, Connecticut have filed 2,266 flood claims. 1,707 received a payment, for a total of $38.6 million (an average of $22,632 per paid claim). The year with the most claims was 2012 (570 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 59 claims, 38 paid, $61,697 in total1979: 43 claims, 27 paid, $38,060 in total19801982: 209 claims, 176 paid, $1,436,700 in total19821983: 23 claims, 10 paid, $31,710 in total1984: 99 claims, 79 paid, $1,388,892 in total1985: 207 claims, 140 paid, $822,780 in total1987: 46 claims, 32 paid, $419,571 in total1990: 18 claims, 11 paid, $60,799 in total19901991: 45 claims, 35 paid, $220,533 in total1992: 72 claims, 52 paid, $557,684 in total1993: 13 claims1996: 30 claims, 13 paid, $111,485 in total1998: 10 claims20002001: 21 claims, 11 paid, $162,415 in total2005: 29 claims, 18 paid, $364,480 in total2007: 41 claims, 30 paid, $685,487 in total2010: 110 claims, 88 paid, $835,458 in total20102011: 412 claims, 320 paid, $10,406,833 in total20112012: 570 claims, 500 paid, $18,492,734 in total20122018: 40 claims, 27 paid, $898,431 in total20202021: 36 claims, 26 paid, $585,863 in total2024: 19 claims, 12 paid, $299,956 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241912$299,956$24,996
20213626$585,863$22,533
20184027$898,431$33,275
2012570500$18,492,734$36,985
2011412320$10,406,833$32,521
201011088$835,458$9,494
20074130$685,487$22,850
20052918$364,480$20,249
20012111$162,415$14,765
199810<10––
19963013$111,485$8,576
199313<10––
19927252$557,684$10,725
19914535$220,533$6,301
19901811$60,799$5,527
19874632$419,571$13,112
1985207140$822,780$5,877
19849979$1,388,892$17,581
19832310$31,710$3,171
1982209176$1,436,700$8,163
19794327$38,060$1,410
19785938$61,697$1,624

From 2016 to 2026: 95 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 Middlesex County

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

Main NFIP communities in the county

Old Saybrook (893 home policies) · Westbrook (381 home policies) · Clinton (354 home policies) · Middletown (44 home policies) · Cromwell (43 home policies) · Essex (42 home policies)