National Flood Insurance Program
Congress established the National Flood Insurance Program (NFIP) with the passage of the National Flood Insurance Act of 1968. The NFIP is administered by the Federal Emergency Management Agency (FEMA) and community participation in the program is voluntary. Currently, all Connecticut municipalities participate in the NFIP (Community Status Book). The NFIP is comprised of three elements:
FEMA produces Flood Insurance Rate Maps (FIRM) which identify the Special Flood Hazard Areas (SFHA) within a community. These are high flood risk areas that would be inundated by the 100-year flood, also called the base flood. Communities participating in the NFIP must regulate development within SFHAs by adopting and enforcing a local floodplain management ordinance or zoning regulation which meets minimum Federal requirements, although many communities adopt higher regulatory standards. Property owners in participating communities are able to purchase flood insurance through the NFIP. Flood insurance coverage is a mandatory requirement of a mortgage if the structure is located in the SFHA. Flood insurance can be purchased for structures located both within or outside the SFHA.
The NFIP Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program (NFIP). View more resources for Current and Prospective CRS Communities.
Flood Maps – Maintained through FEMA, flood maps are a tool that communities use to know which areas have the highest risk of flooding.
FEMA Map Service Center – The FEMA Map Service Center (MSC) contains effective, preliminary and historic flood insurance rate maps (FIRM) and Flood Insurance Studies (FIS) for every municipality in Connecticut. The MSC also contains links to letters of map change (LOMC) and the National Flood Hazard Layer (NFHL) viewer and Flood Map Changes Viewer showing preliminary flood maps.
Limit of Moderate Wave Action (LiMWA) Viewer – LiMWA Viewer developed by FEMA Region I for New England delineating Coastal AE zones
Letters of Map Change (LOMC) – Letter of Map Amendment (LOMA), Letter of Map Revision (LOMR), Letter of Map Revision based on Fill (LOMR-F), Conditional Letter of Map Revision (CLOMR)
Flood insurance – Learn more about flood insurance from FEMA
FloodSmart.gov – Information on flood insurance, find a local insurance agent
Summary of Coverage – This NFIP publication explains what is covered by a flood insurance policy
Risk Rating 2.0 – Find information on FEMA’s new flood insurance premium calculation methodology
Connecticut Risk Rating 2.0 State Profile – Find state profile and policy change analysis information by county and zip code.
NFIP Claims Handbook – Guidance on what to do before and after a flood event and filing a claim
Disaster Declarations – Find current Presidential disaster declarations for Connecticut
Disaster Assistance – Apply for disaster assistance online or by calling (800) 621-3362
COMMUNITY RATING SYSTEM (CRS)
Torrent Newsletter A DEEP newsletter for Connecticut floodplain managers
Content Last Updated November 9, 2021