Flood insurance cost in Connecticut
In Connecticut, the lowest private flood insurance quote ran $1,445 a year and the typical private quote ran $4,106. The NFIP quote ran $3,904.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 60% below the NFIP quote, and private was the cheaper option for 81% of those 83 properties. The typical private quote came in 2% above NFIP.
Median annual premiums from 1,055 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $1,605 | $4,839 | $4,442 | 746 |
| Residential properties | $1,485 | $4,083 | $3,821 | 1,049 |
How quotes have moved since 2020
- Lowest private quote$897 in 2026
- Typical private quote$3,103 in 2026
- NFIP quote$3,230 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $1,937 | $2,275 | $3,877 | 461 |
| 2021 | $2,004 | $3,442 | $3,746 | 353 |
| 2022 | $2,094 | $4,117 | n/a | 134 |
| 2023 | $2,655 | $4,829 | n/a | 131 |
| 2024 | $1,477 | $3,229 | $2,724 | 395 |
| 2025 | $1,852 | $4,854 | $5,080 | 402 |
| 2026* | $897 | $3,103 | $3,230 | 553 |
Counties in Connecticut
| County | Lowest private | Typical private | NFIP | Lowest private vs NFIP | Carrier quotes |
|---|---|---|---|---|---|
| New Haven County | $1,526 | $4,854 | $3,361 | n/a | 266 |
Only places where at least 20 different properties were quoted in the period are listed.
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Connecticut?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Connecticut was $4,106 a year and the lowest private quote a property received was $1,445. NFIP quotes ran $3,904. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Connecticut?
- Where a property was quoted both ways, the lowest private quote came in a median 60% below the NFIP quote, and private was the cheaper option for 81% of those 83 properties. The typical private quote came in 2% above NFIP.
- Where do these numbers come from?
- From 1,055 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Connecticut
- Flood insurance in Connecticut: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.