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Flood insurance cost · ZIP 06615 · CT

Flood insurance cost in ZIP 06615 (Stratford, CT)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 935 home policies in force on August 31, 2026.

ZIP code 06615 (Stratford, CT)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,363a year

Half of insured homes paid between $988 and $1,773. That is 12% less than the Fairfield County median ($1,547). Most insured homes here are rated in zone AE (91%).

$0$988 · $1,363 · $1,773$2,216
+5.5% vs Aug 31, 2025 (median $1,292)
935home policies in force
$1,523average cost (mean)
95%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 06615

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		$2,570$1,710–$4,046$2,97839 (4%)−19.2%
Zone AE
High risk		$1,364$999–$1,763$1,488852 (91%)+4.7%
Zone X
Moderate to low risk		$766$573–$1,250$90244 (5%)−21.1%

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 06615, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home794$1,366$1,538
2–4 unit building118$1,410$1,540
Condo or apartment unit23$856$901
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.		48$4,668$6,726
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		114$3,534$4,181

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

1,097NFIP policies in force, any building
1,461insured units (condo association policies count every unit)
50%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 06615

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 force950935−1.6%
Median annual cost$1,292$1,363+5.5%
Average annual cost$1,453$1,523+4.8%
All policies in force (any building)1,1181,097−1.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 06615 have filed 615 flood claims. 463 received a payment, for a total of $9,121,978 (an average of $19,702 per paid claim). The year with the most claims was 2012 (107 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 12 claims1980: 23 claims, 18 paid, $57,140 in total198019901992: 67 claims, 58 paid, $925,233 in total1996: 36 claims, 26 paid, $177,178 in total2000: 77 claims, 65 paid, $911,767 in total200020002006: 27 claims, 21 paid, $339,345 in total2007: 14 claims, 13 paid, $162,146 in total2010: 13 claims20102011: 87 claims, 64 paid, $1,444,052 in total20112012: 107 claims, 89 paid, $3,679,611 in total20122018: 10 claims20202021: 22 claims, 15 paid, $409,219 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20212215$409,219$27,281
201810<10––
201210789$3,679,611$41,344
20118764$1,444,052$22,563
201013<10––
20071413$162,146$12,473
20062721$339,345$16,159
20007765$911,767$14,027
19963626$177,178$6,815
19926758$925,233$15,952
19802318$57,140$3,174
197912<10––

From 2016 to 2026: 32 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

Stratford (935 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.