Connecticut
flood insurance data

NFIP premiums in Connecticut

NFIP premiums: what NFIP policyholders paid, not a quote. Across 20,176 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,562, and half of them fall between $1,108 (Q1) and $2,532 (Q3).

Residential NFIP policies counted by FEMA fell 22.2% between 2019 (25,938) and 2025 (20,176); the first year, 2019, has the highest count of the 7. With 20,176 residential NFIP policies effective 2025, Connecticut has the 18th most of 53 States and territories.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 20,176 policies.

NFIP paid building claims in Connecticut

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 1,466 paid claims; median $14,041, half of them between $5,694 (Q1) and $31,480 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $16,199, a monetary adjustment, not today’s cost of repair.

2021 alone holds 52.2% of the paid claims (year of loss 2015-2024). The named event with the most paid claims in Connecticut, Hurricane Ida, accounts for 40.2% of them, ahead of Hurricane Elsa (7.6%): no single event holds a majority.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 21 flood, hurricane and severe-storm declarations (DR and EM) covering Connecticut, 12 of them major disaster declarations.

Connecticut counts 21 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 17th fewest of 53 States and territories. Severe Storm declarations are the most frequent (12), ahead of Hurricane (9).

Latest declarations

• DR-4820: SEVERE STORM, FLOODING, LANDSLIDES, AND MUDSLIDES (Severe Storm, 2024-09-20)
• EM-3612: SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Severe Storm, 2024-08-21)
• EM-3604: SEVERE STORMS, FLOODING, AND A POTENTIAL DAM BREACH (Severe Storm, 2024-01-13)
• DR-4629: REMNANTS OF HURRICANE IDA (Hurricane, 2021-10-30)
• EM-3564: HURRICANE HENRI (Hurricane, 2021-08-22)

FEMA assistance to homeowners

Since 2002: 17,927 owner registrations inspected by FEMA in Connecticut after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Of the 17,927 owner registrations FEMA inspected in Connecticut after disasters of every declared type, 1.7% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4087, HURRICANE SANDY (declared 2012-10-30), with 4,574.

Disasters with the most inspections

• DR-4087, HURRICANE SANDY (declared 2012-10-30): 4,574 inspections
• DR-4023, TROPICAL STORM IRENE (declared 2011-09-02): 4,395 inspections
• DR-1904, SEVERE STORMS AND FLOODING (declared 2010-04-23): 3,413 inspections
• DR-1700, SEVERE STORMS AND FLOODING (declared 2007-05-11): 2,038 inspections
• DR-4820, SEVERE STORM, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2024-09-20): 1,861 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 177 NFIP communities in Connecticut: 177 participate in the NFIP and 20 (11.3%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (New Haven, City of, Stamford, City of, Stonington, Town of and 1 more): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Connecticut dates from 1978-07-17 (Winchester, Town of).

Questions about flood insurance in Connecticut

How much is flood insurance in Connecticut?

NFIP policyholders in Connecticut paid a median of $1,562 for residential policies effective 2025 (20,176 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $1,108 and $2,532; $1,764 inside the Special Flood Hazard Area against $1,092 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Connecticut had?

1,466 NFIP building claims were paid (year of loss 2015-2024), with a median of $14,041; the year with the most was 2021 (765), and the named event with the most was Hurricane Ida (589). These are amounts paid, not repair cost.

Is Connecticut in a flood zone?

Of the residential NFIP policies of Connecticut (policies effective 2025), 15,297 are rated inside the Special Flood Hazard Area and 4,879 outside it (zones listed: AE, X, VE, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Counties of Connecticut

• Fairfield County

Named storms with paid claims in Connecticut

• Hurricane Sandy
• Hurricane Irene
• Hurricane Ida

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• Owners assistance: county names not matched to a FIPS code (counted in the State total only): Mashantucket Pequot Indian Reservation (no match, 2 inspected); Mohegan Trust Lands (no match, 1 inspected)

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).