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Flood insurance cost · ZIP 06880 · CT

Flood insurance cost in ZIP 06880 (Westport, CT)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 965 home policies in force on August 31, 2026.

ZIP code 06880 (Westport, CT)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,764a year

Half of insured homes paid between $1,199 and $3,316. That is 14% more than the Fairfield County median ($1,547). Most insured homes here are rated in zone AE (69%).

$0$1,199 · $1,764 · $3,316$4,145
+12.5% vs Aug 31, 2025 (median $1,568)
965home policies in force
$2,482average 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 ZIP code 06880

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		$3,549$2,646–$5,083$4,12533 (3%)−3.2%
Zone AE
High risk		$2,394$1,515–$3,780$2,935664 (69%)+12.6%
Zone A
High risk		$1,290$778–$1,642$1,28848 (5%)+5.8%
Zone X
Moderate to low risk		$1,080$648–$1,371$1,130220 (23%)+5.4%

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 ZIP code 06880, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home943$1,777$2,506
Condo or apartment unit14$632$751
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.		27$1,730$4,223
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		103$4,642$6,178

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

1,095NFIP policies in force, any building
1,162insured units (condo association policies count every unit)
71%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 06880

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 force1,004965−3.9%
Median annual cost$1,568$1,764+12.5%
Average annual cost$2,291$2,482+8.3%
All policies in force (any building)1,1371,095−3.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 06880 have filed 1,894 flood claims. 1,536 received a payment, for a total of $43.9 million (an average of $28,609 per paid claim). The year with the most claims was 2012 (472 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 75 claims, 64 paid, $173,622 in total1979: 36 claims, 28 paid, $43,966 in total1980: 120 claims, 103 paid, $306,925 in total19801982: 11 claims1983: 11 claims1984: 31 claims, 22 paid, $63,838 in total1985: 14 claims1989: 20 claims, 12 paid, $93,152 in total19901991: 66 claims, 44 paid, $306,333 in total1992: 313 claims, 269 paid, $5,646,395 in total19921996: 78 claims, 62 paid, $579,789 in total20002005: 13 claims2006: 47 claims, 36 paid, $489,747 in total2007: 106 claims, 84 paid, $1,195,177 in total2010: 43 claims, 20 paid, $132,128 in total20102011: 258 claims, 217 paid, $5,497,620 in total20112012: 472 claims, 441 paid, $27,399,739 in total20122018: 55 claims, 42 paid, $945,273 in total20202021: 38 claims, 26 paid, $540,686 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20213826$540,686$20,796
20185542$945,273$22,506
2012472441$27,399,739$62,131
2011258217$5,497,620$25,335
20104320$132,128$6,606
200710684$1,195,177$14,228
20064736$489,747$13,604
200513<10––
19967862$579,789$9,351
1992313269$5,646,395$20,990
19916644$306,333$6,962
19892012$93,152$7,763
198514<10––
19843122$63,838$2,902
198311<10––
198211<10––
1980120103$306,925$2,980
19793628$43,966$1,570
19787564$173,622$2,713

From 2016 to 2026: 93 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

Westport (962 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.