RECENT HISTORIC FLOODING HIGHLIGHTS NEED FOR FLOOD INSURANCE

CID, DEEP, and DESPP Urge Connecticut Residents to Consider Purchasing Flood Insurance

HARTFORD, CT – In light of the historic flooding that recently devastated parts of New Haven, Fairfield, and Litchfield Counties, the Connecticut Insurance Department (CID), Connecticut Department of Energy and Environmental Protection (DEEP), and Connecticut Department of Emergency Services and Public Protection (DESPP) are urging all Connecticut residents to consider purchasing flood insurance as a critical measure to protect their homes and businesses.

Why Flood Insurance Is Essential

• If it rains, it can flood. 25% of all flood losses in the U.S. occur outside FEMA-designated flood zones—in more places than we commonly imagine—and just an inch of water can cause more than $25,000 in damages to your home.
• National Flood Insurance Program (NFIP) flood insurance covers up to $250,000 for structural damage to homes and up to $100,000 for personal belongings with an additional premium. Commercial business owners can also purchase coverage, with up to $500,000 available for non-residential buildings.
• The average NFIP flood insurance premium ranges from $800 to $1,200 per year, depending on risk level, coverage amount, and deductible choices. It's a small price to pay for peace of mind.

Plan Ahead: Flood Insurance Has a Waiting Period

It’s crucial to act now, as flood insurance policies typically have a 30-day waiting period before taking effect. Even if your property is not in a floodplain, flood insurance is available. Contact your insurance agent or visit FloodSmart.gov for more information.

“Flooding is the most common and costly natural disaster in the U.S., and Connecticut is not immune to this risk,” said CID Commissioner Andrew N. Mais. “The recent storms serve as a stark reminder that flood damage can happen anywhere, not just in designated flood zones. Homeowners, renters, and business owners must understand that standard insurance policies do not cover flood damage. The best way to safeguard your property is through the National Flood Insurance Program (NFIP) or private flood insurance.”

“Climate-induced extreme rainfall events are increasing in Connecticut,” DEEP Commissioner Katie Dykes said. “According to the Northeast Regional Climate Center, the Northeast has seen a roughly 60% increase in the number of days with extreme precipitation, the largest increase of all the U.S. regions. This trend is expected to continue, which means it’s critically important for residents and communities to be prepared and protect homes, businesses, and infrastructure.”

“With the increasing frequency and intensity of storms, Connecticut's risk for flooding has never been higher,’ said DESPP Director William Turner. “It's crucial for homeowners to understand that flood damage is often not covered under standard insurance policies, and flooding can occur even if you don’t live in a flood zone. Getting flood insurance through NFIP or a private provider is not just a wise financial decision—it's a necessary step to protect your home and your future.”

After a Flood: Steps for NFIP Policyholders

1. Report the Loss: Immediately contact your insurance agent or carrier to report the damage. For assistance, call the NFIP at 877-336-2627.
2. Document the Damage: Take photos and videos of all flood-related damage before discarding any items.
3. Health and Safety: Dispose of flood-damaged items that pose health risks and take steps to prevent mold growth.
4. Work with the Adjuster: An independent adjuster will inspect your property and provide a repair estimate. Ensure you verify their identity.
5. Review and Sign Proof of Loss: Carefully review the adjuster’s repair estimate and sign the proof of loss to receive payment.
6. Make Repairs: Consult your adjuster or insurer before hiring contractors. Ensure they are licensed, bonded, and insured.

For those without flood insurance, contact your agent or insurer to verify coverage. Individuals and businesses may also be eligible for FEMA disaster assistance; visit FloodSmart.gov for more information.

Connecticut residents are encouraged to visit the websites and social media pages of CID, DEEP, and DESPP for more information.

• CID: Contact Us
• CID: Storm Water Coverage and Flood Insurance Fact Sheet
• DEEP: National Flood Insurance Program (NFIP)
• DESPP: Connecticut Division of Emergency Management and Homeland Security (DEMHS)

Additional Flood Safety Resources:

• Connecticut Alerts
• Connecticut Flood Insurance Information
• National Association of Insurance Commissioners (NAIC): Flood Insurance
• National Weather Service (NWS): Flood Safety
• Federal Emergency Management Agency (FEMA): Flood Facts
• FEMA Flood Map Service Center
• Ready: Floods
• Flood Awareness Workshops and Materials
• Flood Management Certification Fact Sheet
• Connecticut Dam Safety Program
• The Torrent: Newsletter for Floodplain Managers
• Flood Management (ct.gov)
• Rising Waters: Planning for Flooding in Connecticut (youtube.com)
• Connecticut Sea Level Rise
• DEEP Climate Resilience Fund (ct.gov)
• Dams Public Viewer Application (arcgis.com)
• Grants (ct.gov)
• Coastal Habitat Restoration and Resilience Grants for Tribes and Underserved Communities | NOAA Fisheries

Contact: Mary Quinn
Communications, Director
Cell: (959) 529-4904
Mary.Quinn@ct.gov