Data: FEMA NFIP, FEMA Flood Map Service Center Last verified:

ZipCheckup tracks historical NFIP data for Connecticut: 28,779 flood-insurance claims, $548,594,028 in reported payment components, and claim-rated-zone evidence across 284 ZIP codes. The 58% figure is the A/V-family share among claim-record ZIPs, not current map coverage.

Connecticut has 28,779 historical NFIP claims. Among 284 ZIP codes with claim records, 58% have an A- or V-family dominant rated zone recorded in those claims. This is claims evidence, not a current property-map risk classification.

City Water Quality Map: Connecticut

Each circle represents a city. Size indicates population, color indicates water quality grade. Tap a circle for details.

A B C D F Circle size = population

Cities with Most Flood Claims in Connecticut

#	City	FEMA Claims	Reported Payment Components	Population
1	Milford	3,187	$76,858,244	52,340	Details →
2	Fairfield	2,199	$53,113,273	57,860	Details →
3	Norwalk	1,973	$47,228,074	91,375	Details →
4	Westport	1,891	$43,943,239	27,364	Details →
5	East Haven	1,832	$35,708,035	29,347	Details →
6	Stamford	1,169	$29,990,251	135,720	Details →
7	Bridgeport	939	$15,219,615	148,012	Details →
8	Old Saybrook	789	$15,214,614	10,515	Details →
9	Branford	748	$12,537,753	28,090	Details →
10	Stratford	712	$9,512,478	52,403	Details →

Flood Risk Overview

Among 284 ZIP codes with NFIP claim records in Connecticut, 58% have an A- or V-family dominant recorded rated zone in those historical claims. This is claims evidence, not a complete current FEMA property-map inventory. Residents have filed 28,779 flood insurance claims through NFIP. The sum of reported building, contents, and ICC payment components is $548.6M across 22,850 claims with payment data.

Among claims with reported payment data, the average reported component sum in Connecticut is $24K. 5,929 claims lack payment fields and are not treated as zero.

Cities with Most Flood Claims

Understanding Flood Zones

FEMA classifies areas by flood risk:

Zone	Risk Level	Insurance Required?
A, AE, AH, AO	High risk (Special Flood Hazard Area)	Yes, with federal mortgage
V, VE	High risk, coastal	Yes, with federal mortgage
B, X (shaded)	Moderate risk	Recommended
C, X (unshaded)	Low risk	Optional

In the claims dataset, 166 Connecticut ZIP codes have an A- or V-family dominant recorded rated zone. This historical claims field cannot determine whether a specific property is currently inside a high-risk FEMA flood zone. Check the official FEMA map by address.

Flood Insurance in Connecticut

Key facts about flood insurance for Connecticut homeowners:

• Standard homeowners insurance does not cover flood damage - a separate flood policy is required
• The average NFIP policy costs $700-$1,500/year depending on flood zone, elevation, and property type
• 30-day waiting period applies to new NFIP policies (except at closing)
• Private flood insurance may offer lower rates in some areas
• 28,779 claims have been filed in Connecticut; among 22,850 claims with payment data, the average reported component sum is $24K

How Flooding Affects Water Quality

Flooding poses serious risks to drinking water:

• Treatment plant overflows can allow untreated or partially treated water into distribution systems
• Stormwater runoff introduces pesticides, fertilizers, and industrial chemicals
• Sewage system backups contaminate groundwater and surface water sources
• Infrastructure damage can compromise pipes and create entry points for contaminants

After flooding events, monitor your utility's website and local news for boil water advisories.

Flood Damage Prevention

Steps to reduce flood damage to your home:

1. Install a sump pump with battery backup
2. Elevate utilities (furnace, water heater, electrical panel) above potential flood levels
3. Apply waterproof sealant to basement walls and floors
4. Maintain gutters and drains to direct water away from foundations
5. Consider flood vents in foundation walls
6. Check for FEMA mitigation grants - many communities participate in hazard mitigation programs

Data Sources

• Flood claims: FEMA National Flood Insurance Program (NFIP)
• Flood zones: FEMA Flood Map Service Center

Updated daily.

Frequently Asked Questions

Is Connecticut at risk of flooding?

Among 284 ZIP codes with NFIP claim records in Connecticut, 58% have an A- or V-family dominant rated zone recorded in those historical claims. The dataset contains 28,779 claims and $548.6M in reported payment components. It is not a complete current FEMA property-map inventory.

Which city in Connecticut has the most flood claims?

Milford has the largest recorded claim count in this state summary, with 3,187 NFIP claims and $76.9M in reported payment components. Claim history is not a current property-level flood designation.

Do I need flood insurance in Connecticut?

If your property is in a FEMA Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required. Even outside mapped flood zones, FEMA reports over 40% of claims come from areas not designated as high risk. The average NFIP policy costs $700-$1,500/year.

How does flooding affect water quality?

Flooding can contaminate drinking water by overwhelming treatment systems, introducing sewage and runoff into water supplies, and damaging infrastructure. Boil water advisories are common after major floods. Local utility alerts provide information during these events.

How many flood claims have been filed in Connecticut?

28,779 NFIP flood insurance claims are recorded across Connecticut. Reported payment components sum to $548.6M; among 22,850 claims with payment data, the average reported component sum is $24K. 5,929 claims lack payment fields and are not treated as zero.