Enter any Connecticut address to see its FEMA flood zone designation
Connecticut experiences a mixed flood risk profile, with flash floods being the most frequent event type over the last 30 years, followed by general floods and coastal floods.
The state's geography presents distinct flood risks, with coastal areas susceptible to coastal floods and storm surge, while inland regions face challenges from riverine flooding and flash events. Recent federal disaster declarations for severe storms, flooding, landslides, and mudslides in August 2024 highlight the ongoing threat across various parts of Connecticut.
National Flood Insurance Program data indicates that Zone A, representing areas with a 1% annual chance of flooding, has the highest number of claims and the largest total payout. However, Zone X, which includes areas with reduced flood risk, also sees a significant number of claims, suggesting that flood insurance may be beneficial even outside high-risk zones. The average claim amount varies by zone, with V zones (coastal high hazard areas) having the highest average payout.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Connecticut has received 266 federal disaster declarations, including 17 flood and coastal storm declarations and 52 hurricane declarations.
FEMA designates flood zones across Connecticut using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Connecticut FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Connecticut is approximately $1,587 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Connecticut residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in Connecticut →
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