Connecticut Flood Insurance

Is Flood Insurance Required
in Connecticut?

The Real Answer, Backed by FEMA Rules and Local Data

At The Flood Insurance Guru, we help Connecticut homeowners understand their flood risk. Many are surprised to learn they’re in a flood zone—or that their bank requires flood insurance before closing. But the rules aren’t always clear.

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When Flood Insurance Is Required in Connecticut

Flood insurance is required if BOTH of these apply:

1. You have a federally backed mortgage (FHA, VA, USDA, Fannie Mae, Freddie Mac), and
2. Your property is in a Special Flood Hazard Area (SFHA) — designated as Flood Zone AE or Flood Zone V by FEMA

FEMA Flood Zone Breakdown

FEMA Flood Zone	What It Means	Is Insurance Required?
AE	Inland high-risk floodplain w/ base elevation	✔ Yes, if mortgaged
V	Coastal high-risk area with wave action	✔ Yes, if mortgaged
X	Moderate/low risk, outside SFHA	✘ Not required (but smart)

⚠ If you're in **Zone AE or V**, your lender will require you to carry flood insurance. Many lenders now also require it in parts of **Zone X** with a history of flooding.

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But Here's What Most Homeowners Don't Know

Just because flood insurance isn’t required doesn’t mean it’s not necessary. From your own state data, we see real-world examples:

Over **180 flood insurance policies** were purchased across Connecticut—even in zones where it wasn’t legally required.
Total coverage exceeded **$69.4 million** in building + contents protection.
Average premiums ranged from $322 to over $4,000, depending on city and zone.

Real-World Examples: Policy Breakdown

Data based on recent Connecticut policies.

City	Flood Zone(s)	Avg Premium	Avg Building Coverage	Avg Contents Coverage
Old Saybrook	AE / V	$3,931.62	$250,000	$62,500
Groton	AE	$1,271.50	$539,000	$0
Branford	AE	$4,186.16	$366,800	$50,000
Weston	X (low risk)	$1,440.00	$250,000	$100,000
Trumbull	X (not required)	$2,721.54	$250,000	$10,000
Clinton	AE / Coastal V	$1,262.00	$307,475	$0

Even in Zone X, homeowners in Trumbull, Weston, and Orange still invested in flood insurance. Why? Because they understood that flood risk isn’t confined to FEMA maps.

**Statewide average premium:** $2,563.91

**Total coverage issued:** $69.4 million

Even **“low-risk” cities** are investing in flood protection

What If You’re Refinancing or
Taking Out a Home Equity Loan?

If you refinance a home in Zone AE or V, or apply for a HELOC, your lender may:

Require flood insurance if it has lapsed
Recheck your zone against updated FEMA maps
Force-place coverage if you don’t provide proof

What About Zone Disputes? Can I Get Out of a High-Risk Zone?

Yes. In fact, we’ve helped many Connecticut homeowners remove the mandatory flood insurance requirement through:

✓ Elevation Certificates (ECs)
✓ Letter of Map Amendment (LOMA) submissions
✓ Historical zone disputes and FEMA updates

✔ One homeowner in Branford was paying nearly $4,000/year—after a LOMA was filed, they dropped to under $600.

This code delivers the information clearly, uses a simple list, and highlights the successful case study with a blue border and green checkmark.

We Are Here to help

Don’t Wait for Your Lender to Tell You

Your property may already be at risk. And your flood zone may have changed.

FEMA flood maps are being updated across Connecticut
Lenders often don’t notify you until you’re under contract
Insurance rates are rising annually—but early planning can lock in savings

Your Next Step

Flood insurance is required in Connecticut when a mortgage and FEMA zone intersect—but it’s smart in far more cases.

Backed by real-world local data, it’s clear: homeowners across all flood zones are choosing to protect their properties.

Don’t wait for the requirement. Know your risk. Own your coverage.

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Connecticut Flood Insurance: New Federal Flood Program for Connecticut

Is Flood Insurance Requiredin Connecticut?