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Flood insurance cost · ZIP 06512 · CT

Flood insurance cost in ZIP 06512 (East Haven, CT)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 712 home policies in force on August 31, 2026.

ZIP code 06512 (East Haven, CT)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,873a year

Half of insured homes paid between $1,255 and $3,016. That is 17% more than the New Haven County median ($1,607). Most insured homes here are rated in zone AE (78%).

$0$1,255 · $1,873 · $3,016$3,770
+7.8% vs Aug 31, 2025 (median $1,737)
712home policies in force
$2,410average cost (mean)
90%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 06512

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		$3,700$2,509–$5,609$4,26886 (12%)+12.4%
Zone AE
High risk		$1,870$1,294–$2,846$2,268558 (78%)+7.7%
Zone X
Moderate to low risk		$1,172$750–$1,401$1,22568 (10%)+13.8%

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 06512, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home632$1,894$2,458
2–4 unit building51$2,126$2,632
Condo or apartment unit29$674$983
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.		39$3,761$5,094
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		71$4,372$4,465

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

822NFIP policies in force, any building
1,075insured units (condo association policies count every unit)
40%of home policies also cover contents
$89,500median contents coverage, when bought

One year on: ZIP code 06512

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 force712712±0.0%
Median annual cost$1,737$1,873+7.8%
Average annual cost$2,259$2,410+6.7%
All policies in force (any building)828822−0.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 06512 have filed 1,834 flood claims. 1,441 received a payment, for a total of $35.7 million (an average of $24,771 per paid claim). The year with the most claims was 2012 (290 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 53 claims, 48 paid, $129,658 in total1979: 90 claims, 81 paid, $469,148 in total1980: 81 claims, 67 paid, $305,146 in total19801982: 141 claims, 110 paid, $635,887 in total1983: 17 claims, 11 paid, $43,522 in total1984: 44 claims, 26 paid, $120,254 in total1985: 91 claims, 78 paid, $1,414,908 in total1989: 45 claims, 32 paid, $330,598 in total19901991: 56 claims, 37 paid, $278,090 in total1992: 179 claims, 134 paid, $2,404,986 in total19921995: 40 claims, 30 paid, $413,182 in total1996: 154 claims, 106 paid, $1,624,371 in total20002001: 12 claims2003: 11 claims2004: 11 claims2005: 38 claims, 28 paid, $187,914 in total2007: 46 claims, 38 paid, $934,109 in total2008: 12 claims2010: 36 claims, 24 paid, $221,538 in total20102011: 273 claims, 243 paid, $13,561,962 in total20112012: 290 claims, 249 paid, $10,738,022 in total20122018: 19 claims, 16 paid, $833,975 in total2020
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
20181916$833,975$52,123
2012290249$10,738,022$43,125
2011273243$13,561,962$55,811
20103624$221,538$9,231
200812<10––
20074638$934,109$24,582
20053828$187,914$6,711
200411<10––
200311<10––
200112<10––
1996154106$1,624,371$15,324
19954030$413,182$13,773
1992179134$2,404,986$17,948
19915637$278,090$7,516
19894532$330,598$10,331
19859178$1,414,908$18,140
19844426$120,254$4,625
19831711$43,522$3,957
1982141110$635,887$5,781
19808167$305,146$4,554
19799081$469,148$5,792
19785348$129,658$2,701

From 2016 to 2026: 19 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

East Haven (491 home policies) · New Haven (219 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.