New FEMA Tool Makes It Easier to Get Flood Insurance Online

CONSUMER NOTICE – November 2, 2026

The Connecticut Insurance Department (CID) is highlighting a new online tool from the Federal Emergency Management Agency (FEMA) that allows consumers to get a personalized quote and purchase flood insurance through the National Flood Insurance Program (NFIP).

Available at FloodSmart.gov, the tool gives consumers another way to explore flood insurance options, connect with a local insurance agent, and purchase coverage online if eligible.

Understand Your Flood Risk

Flooding can happen anywhere, not just in areas designated as high risk. Standard homeowners and renters insurance policies generally do not cover flood damage, so it is important to understand your risk and review your coverage before severe weather strikes.

CID’s Climate Risk Mapping Tool allows residents to explore potential weather-related risks, including flood exposure, that may affect their property.

Flood insurance is available through the NFIP and private insurers, and we encourage you to shop for a policy that fits your needs. Coverage, limits, and costs vary by policy. NFIP policies typically have a 30-day waiting period before coverage begins, so consumers should plan ahead rather than wait until a storm is approaching.

Explore Flood Insurance Options

The new FEMA tool allows consumers to:

  • Get a personalized flood insurance quote.
  • Explore coverage options.
  • Connect with a local insurance agent.
  • Share quote information with an insurance professional.
  • Purchase an NFIP policy online if eligible.

Visit FloodSmart.gov to get started.

Flood Insurance and Preparedness Resources

CID offers additional resources to help Connecticut residents assess their exposure to severe weather and make informed decisions about insurance coverage.

Get Help?

Talk with your insurance company or agent to understand your coverage options and determine what protection may be appropriate for your needs.

The CID Consumer Information Center offers resources to help consumers understand their policies, explore coverage options, and make informed decisions.

If you have questions about your insurance coverage, need help understanding your policy, or are having difficulty resolving an insurance issue, contact the Connecticut Insurance Department's Consumer Affairs Division.

Connecticut Insurance Department, Consumer Affairs Division