Flood insurance cost · ZIP 06475 · CT

Flood insurance cost in ZIP 06475 (Old Saybrook, CT)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 913 home policies in force on August 31, 2026.

ZIP code 06475 (Old Saybrook, CT)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,743a year

Half of insured homes paid between $1,221 and $2,328. That is 2% less than the Middlesex County median ($1,779). Most insured homes here are rated in zone AE (78%).

$0$1,221 · $1,743 · $2,328$2,910

+12.4% vs Aug 31, 2025 (median $1,551)

913home policies in force

$2,113average cost (mean)

87%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 06475

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$3,361	$1,975–$4,878	$3,662	87 (10%)	+1.2%
Zone AE High risk	$1,770	$1,264–$2,297	$2,056	708 (78%)	+9.8%
Zone X Moderate to low risk	$1,261	$1,085–$1,427	$1,289	116 (13%)	+9.0%

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 06475, by what they insure.

Type of building	Policies	Median	Average
Single-family home	825	$1,809	$2,249
Condo or apartment unit	83	$734	$765
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.	47	$3,157	$4,164
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	24	$2,655	$3,722

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

984NFIP policies in force, any building

1,094insured units (condo association policies count every unit)

61%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 06475

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, 2025	Aug 31, 2026	Change
Home policies in force	949	913	−3.8%
Median annual cost	$1,551	$1,743	+12.4%
Average annual cost	$1,957	$2,113	+8.0%
All policies in force (any building)	1,020	984	−3.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 06475 have filed 789 flood claims. 613 received a payment, for a total of $15.2 million (an average of $24,820 per paid claim). The year with the most claims was 2012 (296 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (12)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2012	296	257	$10,302,799	$40,089
2011	143	112	$3,243,232	$28,957
2010	46	35	$202,284	$5,780
2005	13	<10	–	–
2001	13	<10	–	–
1992	24	19	$377,697	$19,879
1991	28	22	$167,094	$7,595
1985	64	44	$252,055	$5,729
1984	11	<10	–	–
1983	10	<10	–	–
1982	64	51	$158,613	$3,110
1978	14	<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

Old Saybrook (893 home policies) · Fenwick (20 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.