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Flood insurance cost · ZIP 06460 · CT

Flood insurance cost in ZIP 06460 (Milford, CT)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,316 home policies in force on August 31, 2026.

ZIP code 06460 (Milford, CT)Policies 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 $1,169 and $2,890. That is 7% more than the New Haven County median ($1,607). Most insured homes here are rated in zone AE (74%).

$0$1,169 · $1,724 · $2,890$3,612
+13.6% vs Aug 31, 2025 (median $1,518)
1,316home policies in force
$2,295average cost (mean)
89%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 ZIP code 06460

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		$3,004$1,766–$4,619$3,407197 (15%)+0.2%
Zone AE
High risk		$1,736$1,173–$2,645$2,238976 (74%)+12.1%
Zone X
Moderate to low risk		$1,198$782–$1,400$1,150143 (11%)+16.2%

Not shown (fewer than 10 home policies): A, 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 ZIP code 06460, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,199$1,762$2,359
2–4 unit building49$2,097$2,619
Condo or apartment unit68$933$918
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.		110$4,546$5,417
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		51$3,786$6,660

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

1,477NFIP policies in force, any building
2,160insured units (condo association policies count every unit)
62%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 06460

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 force1,3851,316−5.0%
Median annual cost$1,518$1,724+13.6%
Average annual cost$2,120$2,295+8.3%
All policies in force (any building)1,5481,477−4.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 06460 have filed 3,137 flood claims. 2,654 received a payment, for a total of $76.2 million (an average of $28,709 per paid claim). The year with the most claims was 2012 (966 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 50 claims, 33 paid, $40,873 in total1979: 37 claims, 27 paid, $58,776 in total1980: 157 claims, 133 paid, $678,043 in total19801982: 80 claims, 61 paid, $363,421 in total1983: 12 claims1984: 102 claims, 83 paid, $286,519 in total1985: 138 claims, 104 paid, $597,871 in total19901991: 32 claims, 17 paid, $86,116 in total1992: 543 claims, 471 paid, $9,509,620 in total19921995: 39 claims, 31 paid, $181,668 in total1996: 80 claims, 58 paid, $313,166 in total20002007: 21 claims, 18 paid, $145,106 in total2010: 57 claims, 42 paid, $346,702 in total20102011: 715 claims, 620 paid, $21,778,058 in total20112012: 966 claims, 893 paid, $41,126,818 in total201220202021: 14 claims, 10 paid, $107,556 in total2022: 12 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202212<10––
20211410$107,556$10,756
2012966893$41,126,818$46,055
2011715620$21,778,058$35,126
20105742$346,702$8,255
20072118$145,106$8,061
19968058$313,166$5,399
19953931$181,668$5,860
1992543471$9,509,620$20,190
19913217$86,116$5,066
1985138104$597,871$5,749
198410283$286,519$3,452
198312<10––
19828061$363,421$5,958
1980157133$678,043$5,098
19793727$58,776$2,177
19785033$40,873$1,239

From 2016 to 2026: 26 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.

NFIP communities in this ZIP code

Milford (1,314 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.