Why Flooding Matters in Connecticut
Flooding can occur at any time of year in Connecticut.
- Heavy rain can quickly overwhelm drainage systems
- Snowmelt and frozen ground conditions can contribute to flooding
- Hurricanes and tropical systems can bring widespread rainfall and storm surge impacts
Even a small amount of water entering a home can result in significant damage to property and belongings.
Key Flood Risks
- Inland flooding from heavy or prolonged rain
- Flash flooding with little warning
- Basement flooding from water intrusion or sump pump failure
- Urban flooding from overwhelmed drainage systems
- Sewer backup entering the home
- Groundwater seepage through foundations
- Coastal flooding and storm surge
- Drainage issues around the property
What to Do Before Flooding
- Check your flood risk using the state’s mapping tool
- Review your insurance coverage and understand whether you have flood protection
- Consider purchasing flood insurance if you do not already have coverage
- Ensure gutters, drains, and downspouts are clear and functioning
- Maintain sump pumps and consider backup power sources
- Move important items and documents to higher levels
- Create a basic home inventory for insurance purposes
- Understand evacuation routes or safe locations if flooding occurs
What to Do After Flooding
- Prioritize safety and avoid entering standing water
- Document any damage with photos and videos if safe to do so
- Contact your insurance company or agent as soon as possible
- Keep records of cleanup and repair expenses
- Be cautious of unlicensed contractors and potential scams
- Do not begin permanent repairs until your insurer has reviewed the damage
Flood Preparedness Checklist
- Download the full Flood Preparedness Checklist (PDF)
Understanding your coverage
Traditional homeowners, renters, and business insurance policies do not cover flood damage. Flood insurance is a separate policy.
Flood insurance is available in two main forms:
- The National Flood Insurance Program (NFIP), which is federally backed
- Private flood insurance, which is also available in Connecticut
What flood insurance generally covers:
- The structure of your home
- Essential systems such as electrical and plumbing
- Personal belongings, depending on the policy
Important information:
- Most flood insurance policies have a 30-day waiting period before coverage begins
- Flood insurance is available even if your property is not in a high-risk flood zone
- Coverage terms vary by policy and provider
Related coverage considerations:
- Sewer backup is typically not included in standard flood insurance and may require separate coverage
- Water damage from internal sources (such as burst pipes) is generally handled under homeowners insurance, not flood insurance
For questions about private flood insurance options, contact your insurance agent or the Connecticut Insurance Department.
FAQs
Does homeowners insurance cover flooding?
No. Standard homeowners, renters, and business insurance policies do not cover flood damage.
Do I need flood insurance if I am not in a flood zone?
Yes. Flooding can occur anywhere in Connecticut, including areas outside mapped high-risk zones.
What is the difference between flood damage and water damage?
Flood damage comes from water entering your home from outside. Water damage typically comes from internal issues such as plumbing failures or burst pipes.
Is sewer backup considered flood damage?
No. Sewer backup is generally not considered flood damage and may require separate coverage.
When does flood insurance take effect?
Most flood insurance policies include a 30-day waiting period before coverage begins.
Be Prepared Before the Next Storm
Flooding can happen quickly and in places people do not expect. Understanding your risk and how insurance works is one of the most important steps you can take to protect your home and finances.
The Connecticut Insurance Department is available to help you understand your coverage and options.