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Flood insurance cost · New Haven County, CT

Flood insurance cost in New Haven County, Connecticut

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,740 home policies in force on August 31, 2026.

New Haven County, ConnecticutPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,607a year

Half of insured homes paid between $1,106 and $2,587. That is about the same as the Connecticut median ($1,582). Most insured homes here are rated in zone AE (67%).

$0$1,106 · $1,607 · $2,587$3,234
+12.1% vs Aug 31, 2025 (median $1,434)
4,740home policies in force
$2,151average cost (mean)
78%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 New Haven 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		$3,298$1,870–$4,936$3,753473 (10%)+6.8%
Zone AE
High risk		$1,806$1,269–$2,818$2,2763,160 (67%)+10.5%
Zone A
High risk		$1,353$1,002–$1,753$1,52378 (2%)+5.5%
Zone X
Moderate to low risk		$1,086$684–$1,369$1,0801,029 (22%)+6.1%

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 New Haven County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,245$1,636$2,211
2–4 unit building257$1,950$2,412
Condo or apartment unit233$618$793
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.		398$4,038$5,274
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		417$3,831$4,897

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

5,555NFIP policies in force, any building
7,997insured units (condo association policies count every unit)
60%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: New Haven 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 force4,9044,740−3.3%
Median annual cost$1,434$1,607+12.1%
Average annual cost$1,998$2,151+7.7%
All policies in force (any building)5,7385,555−3.2%

Flood claims history

Since 1978, NFIP policyholders in New Haven County, Connecticut have filed 9,635 flood claims. 7,623 received a payment, for a total of $173.5 million (an average of $22,763 per paid claim). The year with the most claims was 2011 (1,860 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 204 claims, 150 paid, $308,101 in total1979: 377 claims, 308 paid, $1,272,189 in total1980: 417 claims, 349 paid, $1,667,927 in total19801982: 811 claims, 682 paid, $6,184,880 in total1983: 220 claims, 156 paid, $847,112 in total1984: 226 claims, 158 paid, $743,704 in total1985: 429 claims, 308 paid, $3,285,410 in total1986: 16 claims1987: 39 claims, 23 paid, $134,438 in total1988: 30 claims, 16 paid, $61,742 in total1989: 105 claims, 65 paid, $479,581 in total1990: 18 claims, 10 paid, $45,852 in total19901991: 127 claims, 78 paid, $541,392 in total1992: 1,020 claims, 812 paid, $15,036,443 in total19921993: 21 claims, 10 paid, $126,322 in total1994: 31 claims, 14 paid, $175,368 in total1995: 100 claims, 66 paid, $618,527 in total1996: 529 claims, 372 paid, $4,632,304 in total1997: 10 claims1998: 43 claims, 32 paid, $222,408 in total1999: 43 claims, 21 paid, $202,406 in total2000: 53 claims, 19 paid, $60,630 in total20002001: 27 claims, 20 paid, $159,963 in total2002: 17 claims, 13 paid, $90,786 in total2003: 36 claims, 21 paid, $131,782 in total2004: 35 claims, 23 paid, $92,406 in total2005: 105 claims, 83 paid, $825,811 in total2006: 49 claims, 34 paid, $569,630 in total2007: 207 claims, 170 paid, $3,027,569 in total2008: 50 claims, 39 paid, $377,596 in total2009: 16 claims, 13 paid, $461,049 in total2010: 163 claims, 121 paid, $1,057,296 in total20102011: 1,860 claims, 1,551 paid, $55,350,301 in total20112012: 1,810 claims, 1,630 paid, $66,471,158 in total20122013: 23 claims, 14 paid, $111,732 in total2014: 16 claims2017: 11 claims2018: 59 claims, 43 paid, $1,552,168 in total2019: 13 claims20202021: 120 claims, 89 paid, $2,277,958 in total2022: 28 claims, 19 paid, $625,261 in total2023: 27 claims, 19 paid, $523,093 in total2024: 51 claims, 38 paid, $2,715,085 in total2026: 15 claims
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 (44)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202615<10––
20245138$2,715,085$71,450
20232719$523,093$27,531
20222819$625,261$32,908
202112089$2,277,958$25,595
201913<10––
20185943$1,552,168$36,097
201711<10––
201416<10––
20132314$111,732$7,981
20121,8101,630$66,471,158$40,780
20111,8601,551$55,350,301$35,687
2010163121$1,057,296$8,738
20091613$461,049$35,465
20085039$377,596$9,682
2007207170$3,027,569$17,809
20064934$569,630$16,754
200510583$825,811$9,950
20043523$92,406$4,018
20033621$131,782$6,275
20021713$90,786$6,984
20012720$159,963$7,998
20005319$60,630$3,191
19994321$202,406$9,638
19984332$222,408$6,950
199710<10––
1996529372$4,632,304$12,452
199510066$618,527$9,372
19943114$175,368$12,526
19932110$126,322$12,632
19921,020812$15,036,443$18,518
199112778$541,392$6,941
19901810$45,852$4,585
198910565$479,581$7,378
19883016$61,742$3,859
19873923$134,438$5,845
198616<10––
1985429308$3,285,410$10,667
1984226158$743,704$4,707
1983220156$847,112$5,430
1982811682$6,184,880$9,069
1980417349$1,667,927$4,779
1979377308$1,272,189$4,130
1978204150$308,101$2,054

From 2016 to 2026: 324 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 New Haven County

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

Main NFIP communities in the county

Milford (1,374 home policies) · Branford (586 home policies) · East Haven (493 home policies) · West Haven (428 home policies) · Madison (390 home policies) · Guilford (369 home policies)