Flood insurance in Connecticut: cost by ZIP code and county
Connecticut's 18,351 single-family flood policies had a median bill of $1,594 on July 31, 2026, the highest state median in the country.
Median single-family flood bill, Connecticut
$1,594
18,351 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $2,544 |
| Policies still below their full-risk price | 53 % |
| Median paid in August 2023 | $1,174 |
| Increase left from the median | 3 renewals at 18 % |
| Next five bills, added up | $11,691 |
| Median claim paid, 2016 to 2025 (1,111 claims) | $12,977 |
Compiled by Radif Partners · Where the numbers come from · 197 ZIP codes and 8 counties of Connecticut in FEMA's tables · not a quote
Flood insurance on a Connecticut house is expensive by national standards. The median single-family bill was $1,594 a year on July 31, 2026, all charges included (premium, Reserve Fund Assessment, HFIAA surcharge, Federal Policy Fee), against $1,081 for the country. The 18,351 policies are concentrated in four counties: Fairfield, New Haven, Middlesex and New London hold 91 % of them. Rates are not done rising. At full risk the median bill would be $2,544, and 53 % of policies pay less than their full-risk premium. The V zones, the coastal high hazard areas, are the costliest part of the market, at a median of $3,294 and a full-risk median of $4,486. In FEMA's 2023 table, 41 % of Connecticut's single-family policies had a full-risk cost of $3,000 a year or more, against 17 % nationally.
Eight counties in the data
FEMA's data group Connecticut policies into eight counties, and the county table below lists all of them. Fairfield County, which includes Bridgeport and Greenwich, is the core of the market with 8,187 policies. Hartford County, where the USGS gauges the Connecticut River at Hartford, has 1,122, at a lower median of $1,204.
FEMA's 2023 exposure figures put 64 % of single-family policies in reach of storm surge and 27 % in reach of coastal erosion, one of the highest erosion shares among coastal states.
Why the price bands sit so high
The state's full-risk prices spread far up the scale. A home that pays $3,000 a year at full risk would be unusual in most states; here it is common. Use the mini-calculator below with a quote or with the full-risk premium printed on a declarations page to see where it falls.
How a Connecticut full-risk price ranks in the state
Single-family homes in Connecticut with a lower full-risk price
59 %
| Full-risk price under $1,000 | 14 % |
| State median full-risk price, 2023 rates | $2,514 |
| Price entered | $3,000 |
Home values play a part. A policy's building limit stops at $250,000, and the median replacement cost of insured Connecticut houses in the 2023 table was $541,996, more than twice that limit, so the typical insured house is worth more than the most a policy can pay for the building.
New Haven: the largest gap
New Haven County, not a small rural county, shows the widest gap between FEMA's 2023 current and full-risk medians: $1,174 against $2,807. On July 31, 2026, its 4,357 policies had a median bill of $1,636 and a full-risk median of $2,918, with 59 % still capped.
Ida and Elsa in the recent claims
From 2016 to 2025, Connecticut had 1,111 paid single-family claims, a small number for its policy count. The largest event was Hurricane Ida in 2021, with 426 claims, followed by Hurricane Elsa the same summer with 91. No other event in the decade comes close. The average claim page puts those figures beside other states.
The Connecticut counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Fairfield County | 8,187 | $1,565 | $2,416 | 48 % | 3 | $1,173 | $14,241 |
| New Haven County | 4,357 | $1,636 | $2,918 | 59 % | 4 | $1,174 | $11,968 |
| New London County | 2,310 | $1,723 | $2,777 | 57 % | 3 | $1,254 | $8,572 |
| Middlesex County | 1,815 | $1,817 | $2,859 | 58 % | 3 | $1,285 | $14,504 |
| Hartford County | 1,122 | $1,204 | $1,570 | 44 % | 2 | $885 | $9,835 |
| Litchfield County | 388 | $1,389 | $2,216 | 51 % | 3 | $1,069 | $8,164 |
| Tolland County | 93 | $1,198 | $1,887 | 57 % | 3 | $799 | $11,372 |
| Windham County | 77 | $1,333 | $2,168 | 55 % | 4 | $886 | n/a |
Full-risk prices of Connecticut homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 2,781 | 13.7 % | $553,230 |
| $1,000 to $2,000 | 5,256 | 25.9 % | $466,256 |
| $2,000 to $3,000 | 3,906 | 19.3 % | $515,130 |
| $3,000 to $4,000 | 2,836 | 14.0 % | $547,609 |
| $4,000 to $5,000 | 1,955 | 9.6 % | $558,758 |
| $5,000 or more | 3,560 | 17.6 % |
The floods that paid the most Connecticut claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Hurricane Ida | 2021 | 426 | $14,701,046 |
| Hurricane Elsa | 2021 | 91 | $1,821,752 |
| December Nor'easter | 2023 | 7 | $120,078 |