29,419 flood insurance claims·$544.9M paid·30,805 policies in force
Shaded areas are FEMA’s mapped flood hazard zones in and around Connecticut. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Connecticut faces a mixed flood risk profile dominated by frequent flash floods and riverine floods, alongside coastal hazards and tropical systems. Over the last thirty years, NOAA records show 619 flash flood events resulting in 5 deaths and 347 general flood events resulting in 6 deaths, complemented by 67 coastal flood events, 40 tropical storms, 4 storm surge or tide events, and 2 tropical depressions.
Federal disaster declarations highlight the ongoing threat of severe storms, flooding, landslides, and mudslides, with multiple declarations issued on August 18, 2024. These risks affect both coastal areas—implicated by coastal flood, storm surge, and tropical events—and interior regions vulnerable to flash flooding, severe storms, and landslides.
National Flood Insurance Program claims data indicates that risk is concentrated in high-risk zones, but extends into moderate- and low-risk areas where unexpected claims occur. Zone A accounts for the highest impact with 18,422 claims totaling $387 million paid, averaging $26,083 per claim. Zone V follows with 3,085 claims and $66 million paid, averaging $27,490. Meanwhile, Zone X categories—including shaded, unshaded, and general—account for thousands of claims and tens of millions of dollars paid, averaging between $15,196 and $20,823. This distribution demonstrates that while residents in A and V zones face the heaviest financial and physical exposure, property owners in Zone X areas also experience costly flood damage and require coverage.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.
Connecticut has received 266 federal disaster declarations, including 17 flood and coastal storm declarations and 52 hurricane declarations.
NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →
Properties in Connecticut FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Connecticut had 30,805 NFIP policies in force on August 31, 2026, and the average NFIP premium was $1,540 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.
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 →
Select a county to view local flood zone data and disaster history:
Select a city to check flood zone information: