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Flood insurance cost · ZIP 06902 · CT

Flood insurance cost in ZIP 06902 (Stamford, CT)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 454 home policies in force on August 31, 2026.

ZIP code 06902 (Stamford, CT)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,842a year

Half of insured homes paid between $1,200 and $3,210. That is 19% more than the Fairfield County median ($1,547). Most insured homes here are rated in zone AE (65%).

$0$1,200 · $1,842 · $3,210$4,012
+9.8% vs Aug 31, 2025 (median $1,678)
454home policies in force
$2,368average cost (mean)
74%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 06902

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		$2,709$1,857–$4,678$3,14442 (9%)+3.7%
Zone AE
High risk		$2,321$1,634–$3,690$2,782295 (65%)±0.0%
Zone X
Moderate to low risk		$1,192$689–$1,389$1,045117 (26%)+16.3%

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 06902, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home391$1,966$2,490
2–4 unit building26$2,794$2,681
Condo or apartment unit37$874$864
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.		62$6,349$6,772
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		59$4,910$5,168

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

575NFIP policies in force, any building
994insured units (condo association policies count every unit)
68%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 06902

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 force466454−2.6%
Median annual cost$1,678$1,842+9.8%
Average annual cost$2,270$2,368+4.3%
All policies in force (any building)596575−3.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 06902 have filed 825 flood claims. 656 received a payment, for a total of $23.3 million (an average of $35,532 per paid claim). The year with the most claims was 2012 (223 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 13 claims, 11 paid, $27,268 in total1980: 46 claims, 34 paid, $227,658 in total19801984: 19 claims, 13 paid, $79,434 in total1985: 10 claims19901992: 117 claims, 96 paid, $2,119,505 in total19921996: 65 claims, 49 paid, $777,181 in total20002007: 83 claims, 64 paid, $1,621,743 in total20072010: 31 claims, 25 paid, $530,060 in total20102011: 77 claims, 64 paid, $1,259,291 in total2012: 223 claims, 194 paid, $12,539,866 in total201220202021: 66 claims, 55 paid, $2,506,968 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20216655$2,506,968$45,581
2012223194$12,539,866$64,638
20117764$1,259,291$19,676
20103125$530,060$21,202
20078364$1,621,743$25,340
19966549$777,181$15,861
199211796$2,119,505$22,078
198510<10––
19841913$79,434$6,110
19804634$227,658$6,696
19781311$27,268$2,479

From 2016 to 2026: 66 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

Stamford (453 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.