Fairfield County, Connecticut
flood insurance data
- Inside the Special Flood Hazard Area (SFHA), the median premium in Fairfield County is $1,762, 65.0% higher than outside it ($1,068); most of its zoned policies sit inside the SFHA (77.2%).
- Of the 4 zones listed (AE, X, VE, A), zone VE has the highest median premium ($2,966) and zone X the lowest ($1,068). Coastal high-hazard zone VE is listed, with 446 policies.
- The median NFIP premium in Fairfield County, $1,534, is in line with the Connecticut median ($1,562) and 45.4% above the national median ($1,055); it is the 17th highest of 339 counties with all four FEMA sources.
- The median paid claim, $14,631, is 4.2% above the Connecticut median ($14,041) and 60.7% below the national median of the same years ($37,248), the 116th lowest of 339 counties with all four FEMA sources.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Fairfield County
NFIP premiums: what NFIP policyholders paid, not a quote. Across 9,011 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,534, and half of them fall between $1,079 (Q1) and $2,497 (Q3).
With 9,011 residential NFIP policies effective 2025, Fairfield County has the 64th most of 339 counties with all four FEMA sources, and the most of 3 Connecticut counties of that list. Residential NFIP policies counted by FEMA fell 16.4% between 2019 (10,772) and 2025 (9,010); the first year, 2019, has the highest count of the 7.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 6,960 | $1,247 | $1,762 | $3,001 |
| Outside SFHA (X, B, C) | 2,051 | $697 | $1,068 | $1,202 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 6,139 | $1,254 | $1,763 | $2,969 |
| X | 2,051 | $697 | $1,068 | $1,202 |
| VE | 446 | $1,576 | $2,966 | $4,812 |
| A | 375 | $1,009 | $1,322 | $1,705 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 10,772 |
| 2020 | 10,501 |
| 2021 | 10,349 |
| 2022 | 9,606 |
| 2023 | 9,214 |
| 2024 | 9,163 |
| 2025 | 9,010 |
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 the two bases differ: 9,010 policies counted by the API, 9,011 in the premium statistics.
NFIP paid building claims in Fairfield County
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 948 paid claims; median $14,631, half of them between $6,434 (Q1) and $33,389 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $16,930, a monetary adjustment, not today’s cost of repair.
With 948 paid claims (year of loss 2015-2024), Fairfield County has the 72nd most of 339 counties with all four FEMA sources, and the most of 3 Connecticut counties of that list. 2021 alone holds 56.0% of the paid claims (year of loss 2015-2024). The named event with the most paid claims in Fairfield County, Hurricane Ida, accounts for 46.4% of them, ahead of Hurricane Elsa (7.7%): no single event holds a majority.
| Event | Paid claims | Share |
|---|---|---|
| Hurricane Ida | 440 | 46.4% |
| Hurricane Elsa | 73 | 7.7% |
| December Nor'easter | 3 | 0.3% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 4 |
| 2016 | 5 |
| 2017 | 16 |
| 2018 | 238 |
| 2019 | 9 |
| 2020 | 11 |
| 2021 | 531 |
| 2022 | 11 |
| 2023 | 33 |
| 2024 | 90 |
FEMA disaster declarations
Since 2000: 17 flood, hurricane and severe-storm declarations (DR and EM) covering Fairfield County, 9 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 0 |
| Hurricane | 9 |
| Severe Storm | 8 |
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)
- DR-4629: REMNANTS OF HURRICANE IDA (Hurricane, 2021-10-30)
- EM-3564: HURRICANE HENRI (Hurricane, 2021-08-22)
- DR-4580: TROPICAL STORM ISAIAS (Hurricane, 2021-01-12)
FEMA assistance to homeowners
Since 2002: 8,211 owner registrations inspected by FEMA in Fairfield County after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 838 |
| $1-$10,000 | 6,178 |
| $10,001-$20,000 | 725 |
| $20,001-$30,000 | 278 |
| More than $30,000 | 192 |
Disasters with the most inspections
- DR-4087, HURRICANE SANDY (declared 2012-10-30): 2,957 inspections
- DR-4629, REMNANTS OF HURRICANE IDA (declared 2021-10-30): 1,403 inspections
- DR-1700, SEVERE STORMS AND FLOODING (declared 2007-05-11): 1,234 inspections
- DR-4023, TROPICAL STORM IRENE (declared 2011-09-02): 1,190 inspections
- DR-4820, SEVERE STORM, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2024-09-20): 782 inspections
NFIP communities and flood maps
FEMA’s Community Status Book places 23 NFIP communities in Fairfield County alone; 7 of them (30.4%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Stamford, City of): FEMA applies that 15% discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole county; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Fairfield County dates from 2010-06-18 (Trumbull, Town of).
| Community | In the NFIP | CRS class | CRS discount (all policies) | Map in effect | First FIRM | Sanction |
|---|---|---|---|---|---|---|
| Stamford, City of | yes | 7 | 15% | 2013-07-08 | 1981-01-16 | — |
| Fairfield, Town of | yes | 8 | 10% | 2013-07-08 | 1978-08-15 | — |
| Stratford, Town of | yes | 8 | 10% | 2013-07-08 | 1978-06-01 | — |
| Trumbull, Town of | yes | 8 | 10% | 2010-06-18 | 1979-12-04 | — |
| Westport, Town of | yes | 8 | 10% | 2013-07-08 | 1980-07-02 | — |
| Newtown, Town of | yes | 9 | 5% | 2010-06-18 | 1979-06-15 | — |
| Norwalk, City of | yes | 10 | — | 2013-10-16 | 1978-04-03 | — |
| Bethel, Town of | yes | — | — | 2010-06-18 | 1984-02-15 | — |
| Bridgeport, City of | yes | — | — | 2013-07-08 | 1980-10-15 | — |
| Brookfield, Town of | yes | — | — | 2010-06-18 | 1979-06-15 | — |
| Danbury, City of | yes | — | — | 2010-06-18 | 1977-05-02 | — |
| Darien, Town of | yes | — | — | 2013-07-08 | 1981-01-02 | — |
| Easton, Town of | yes | — | — | 2010-06-18 | 1983-09-30 | — |
| Greenwich, Town of | yes | — | — | 2013-07-08 | 1977-09-30 | — |
| Monroe, Town of | yes | — | — | 2010-06-18 | 1985-04-17 | — |
| New Canaan, Town of | yes | — | — | 2010-06-18 | 1977-05-16 | — |
| New Fairfield, Town of | yes | — | — | 2010-06-18 | 1984-02-15 | — |
| Redding, Town of | yes | — | — | 2010-06-18 | 1982-06-15 | — |
| Ridgefield, Town of | yes | — | — | 2010-06-18 | 1982-09-30 | — |
| Shelton, City of | yes | — | — | 2010-06-18 | 1978-09-29 | — |
| Sherman,town of | yes | — | — | 2010-06-18 | 1987-06-18 | — |
| Weston, Town of | yes | — | — | 2010-06-18 | 1978-10-17 | — |
| Wilton, Town of | yes | — | — | 2013-10-16 | 1982-11-17 | — |
Questions about flood insurance in Fairfield County
How much is flood insurance in Fairfield County?
NFIP policyholders in Fairfield County paid a median of $1,534 for residential policies effective 2025 (9,011 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $1,079 and $2,497; $1,762 inside the Special Flood Hazard Area against $1,068 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Fairfield County had?
948 NFIP building claims were paid (year of loss 2015-2024), with a median of $14,631; the year with the most was 2021 (531), and the named event with the most was Hurricane Ida (440). These are amounts paid, not repair cost.
Is Fairfield County in a flood zone?
Of the residential NFIP policies of Fairfield County (policies effective 2025), 6,960 are rated inside the Special Flood Hazard Area and 2,051 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.
Statewide figures: Connecticut flood insurance data.
Named storms with paid claims in Fairfield County
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 county figure can rest on one disaster, and FEMA’s county code may not be the county where every property stands. Method and limits.
Source and notice
- Dominant event: Hurricane Ida = 0.464 of paid claims 2015-2024.
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).