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Flood insurance cost · New London County, CT

Flood insurance cost in New London County, Connecticut

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,438 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,724a year

Half of insured homes paid between $1,204 and $2,582. That is 9% more than the Connecticut median ($1,582). Most insured homes here are rated in zone AE (58%).

$0$1,204 · $1,724 · $2,582$3,228
+11.9% vs Aug 31, 2025 (median $1,540)
2,438home policies in force
$2,143average 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 New London 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		$3,122$1,832–$4,507$3,365428 (18%)+8.8%
Zone AE
High risk		$1,860$1,434–$2,535$2,2031,402 (58%)+12.0%
Zone A
High risk		$1,370$886–$1,971$1,61052 (2%)+3.6%
Zone X
Moderate to low risk		$1,116$687–$1,371$1,100556 (23%)+8.7%

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 London County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,251$1,744$2,168
2–4 unit building110$2,242$2,629
Condo or apartment unit71$611$718
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.		102$2,861$4,684
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		208$2,867$4,306

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

2,748NFIP policies in force, any building
3,339insured units (condo association policies count every unit)
68%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: New London 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 force2,5282,438−3.6%
Median annual cost$1,540$1,724+11.9%
Average annual cost$1,999$2,143+7.2%
All policies in force (any building)2,8362,748−3.1%

Flood claims history

Since 1978, NFIP policyholders in New London County, Connecticut have filed 2,169 flood claims. 1,647 received a payment, for a total of $31.3 million (an average of $18,984 per paid claim). The year with the most claims was 2012 (678 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 69 claims, 56 paid, $123,444 in total1979: 94 claims, 69 paid, $89,724 in total1980: 30 claims, 23 paid, $31,567 in total19801982: 301 claims, 246 paid, $1,531,991 in total19821983: 26 claims, 18 paid, $21,148 in total1984: 13 claims1985: 74 claims, 35 paid, $96,044 in total1987: 15 claims19901991: 56 claims, 29 paid, $102,178 in total1992: 41 claims, 25 paid, $98,466 in total1994: 18 claims, 14 paid, $133,232 in total20002001: 14 claims2005: 97 claims, 70 paid, $958,235 in total2007: 30 claims, 19 paid, $207,953 in total2009: 33 claims, 22 paid, $255,366 in total2010: 316 claims, 235 paid, $3,737,594 in total201020102011: 82 claims, 55 paid, $800,969 in total2012: 678 claims, 598 paid, $20,804,983 in total20122018: 12 claims20202021: 31 claims, 25 paid, $657,397 in total2024: 29 claims, 22 paid, $856,321 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242922$856,321$38,924
20213125$657,397$26,296
201812<10––
2012678598$20,804,983$34,791
20118255$800,969$14,563
2010316235$3,737,594$15,905
20093322$255,366$11,608
20073019$207,953$10,945
20059770$958,235$13,689
200114<10––
19941814$133,232$9,517
19924125$98,466$3,939
19915629$102,178$3,523
198715<10––
19857435$96,044$2,744
198413<10––
19832618$21,148$1,175
1982301246$1,531,991$6,228
19803023$31,567$1,372
19799469$89,724$1,300
19786956$123,444$2,204

From 2016 to 2026: 72 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 London County

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

Main NFIP communities in the county

Stonington (548 home policies) · Old Lyme (395 home policies) · East Lyme (271 home policies) · Groton Long Point Association (221 home policies) · Waterford (221 home policies) · Groton (153 home policies)