Connecticut Flood Insurance
Protecting Fairfield County & the Connecticut Shoreline from Coastal Flooding
Connecticut's Coastal Flood Risk
Connecticut's 96 miles of Long Island Sound coastline creates significant flood exposure for shoreline communities. From Greenwich to Mystic, coastal properties face storm surge, tidal flooding, and nor'easter threats—while inland rivers like the Housatonic and Connecticut River add additional flood zones.
⚠️ Hurricane & Nor'easter Risk
Connecticut's coastline is vulnerable to both hurricanes tracking up the East Coast and powerful nor'easters. Hurricane Sandy (2012) and Hurricane Irene (2011) caused significant flooding across the Connecticut shoreline. Coastal flooding can happen with little warning during storm events.
Connecticut Flood Sources
Long Island Sound
Storm surge and tidal flooding along entire coastline
Housatonic River
River flooding affects western Connecticut communities
Connecticut River
Largest New England river creates flood zones inland
Nor'easters
Powerful storms bring coastal flooding and heavy rain
Real Connecticut Premium Examples
Actual premiums from properties we've insured across Connecticut:
| City / Area | Building Coverage | Contents | Annual Premium |
|---|---|---|---|
| Waterford | $250,000 | $8,000 | $100 |
| Danbury | $500,902 | $100,000 | $350 |
| Danbury | $508,559 | $100,000 | $369 |
| Madison | $200,200 | $50,000 | $561 |
| Branford | $468,632 | $0 | $584 |
| Groton | $250,000 | $0 | $639 |
| Winchester | $470,225 | $250,000 | $687 |
| Bethel | $982,610 | $8,000 | $706 |
| Sherman (Zone X) | $500,000 | $50,000 | $840 |
| North Grosvenordale | $250,000 | $100,000 | $980 |
| Clinton | $307,475 | $0 | $1,262 |
| Weston | $250,000 | $100,000 | $1,440 |
| Old Saybrook | $250,000 | $25,000 | $1,729 |
| Groton (Commercial) | $828,000 | $0 | $1,904 |
| Mystic | $250,000+ | $80,000 | $1,976 |
| Hartford | $0 | $500,000 | $2,275 |
| Fairfield | $410,550 | $50,000 | $2,683 |
| Trumbull | $250,000 | $10,000 | $2,722 |
| New Haven | $236,250 | $50,000 | $2,857 |
| Milford | $250,000 | $15,000 | $3,349 |
| Seymour (AE Zone) | $1,092,000 | $50,000 | $3,767 |
| Fairfield | $384,475 | $0 | $4,102 |
| Branford | $366,800 | $50,000 | $4,186 |
| Westbrook | $250,000 | $100,000 | $6,134 |
| Sherman | $347,000 | $184,000 | $9,086 |
Note: Connecticut premiums vary significantly. Inland properties often qualify for rates under $700/year, while coastal and shoreline properties in VE or AE zones can be substantially higher.
Connecticut Regions We Serve
We help homeowners navigate flood insurance across the entire Constitution State:
Fairfield County Shoreline
HIGH RISK- ✓ Greenwich to Fairfield coastline
- ✓ Storm surge from Long Island Sound
- ✓ Premium coastal real estate
- ✓ Many VE and AE flood zones
New Haven Shoreline
HIGH RISK- ✓ Milford, West Haven, Branford
- ✓ Tidal and storm surge flooding
- ✓ Mix of residential and commercial
- ✓ Documented flood history
Eastern Shoreline
HIGH RISK- ✓ Old Saybrook to Mystic
- ✓ Connecticut River mouth flooding
- ✓ Historic coastal communities
- ✓ Storm surge vulnerability
Housatonic Valley
MODERATE RISK- ✓ Danbury, Bethel, Sherman area
- ✓ River flooding from Housatonic
- ✓ Mix of flood zones
- ✓ Some affordable private options
Hartford / CT River
MODERATE RISK- ✓ Connecticut River corridor
- ✓ Inland river flooding risk
- ✓ Urban drainage and runoff issues
- ✓ High concentration of commercial
Inland Connecticut
LOWER RISK- ✓ Away from coast and major rivers
- ✓ Most properties in Zone X
- ✓ Flash flooding still possible
- ✓ Often qualifies for preferred rates
Why Connecticut Homeowners Choose Us
190+ CT Policies
We understand New England coastal flood risk
Multiple Carriers
Neptune, Sterling, CatCoverage, Argenia, TFIA, and more
Coastal Expertise
We specialize in shoreline and waterfront properties
NFIP Direct
We can help with difficult properties other agents can't insure
FAQs
Why are Connecticut shoreline premiums so high?
Coastal properties face significant storm surge risk from hurricanes and nor'easters. Under Risk Rating 2.0, FEMA considers proximity to water, elevation, and flood history. Many shoreline properties are in VE (coastal high hazard) or AE zones with higher premiums. Private flood insurance may offer alternatives.
I'm buying in Fairfield County. What should I know?
Fairfield County has significant flood zones along the coastline and near rivers. Get a flood zone determination BEFORE making an offer. Many coastal properties will require flood insurance with a mortgage. We can provide quotes quickly to help with your purchase decision.
Does flood insurance cover my basement?
NFIP provides very limited basement coverage—mostly utilities like furnaces and water heaters. Personal belongings in basements are generally not covered. Private flood insurance may offer better basement options. This is particularly important in Connecticut where basements are common.
How quickly can I get coverage for a closing?
We can typically have quotes ready within 24-48 hours and bind coverage shortly after. If you're closing soon, call us directly and we'll prioritize your application.
Get Your Connecticut Flood Insurance Quote
We typically respond within 24 hours with multiple quote options.