Flood Insurance in Connecticut: Do You Really Need It After Recent Storms?

After a record-breaking year of storms and rainfall, many Connecticut residents are asking: “Do I really need flood insurance?” The answer is increasingly yes, even for those outside traditional flood zones. Recent legislative changes and climate trends make this a critical topic for homeowners and renters across the state.

• Standard homeowners and renters insurance policies do not cover flood damage. This is a common misconception that leaves many residents financially vulnerable after severe weather events.
• Flood insurance must be purchased separately—either through the National Flood Insurance Program (NFIP) or a private insurer. Policies typically require a 30-day waiting period before coverage begins, so planning ahead is essential.
• Flooding can happen anywhere. Over 25% of flood claims come from properties outside high-risk flood zones. Just one inch of water can cause more than $25,000 in damage to your home or business.

Connecticut experienced its wettest year on record from July 2023 to June 2024, with 2024 also marking the hottest summer in Hartford’s history. These extreme weather patterns are expected to continue, increasing the risk of flooding statewide.

Connecticut lawmakers are responding to these risks with new legislation:

• Mandatory Flood Insurance Disclosures: Starting July 1, 2026, insurance producers must provide written notice to applicants for homeowners or property insurance, clearly stating that flood coverage is not included in standard policies.
• Flood History Notification: Proposed laws would require banks, mortgage companies, and insurance agents to inform buyers and renters about a property’s flood history and flood zone status at the time of the transaction.
• Documented Decisions: If you decline flood coverage, your decision must be documented in writing, ensuring you are fully informed of your risk.

• Homeowners in FEMA-designated flood zones are required by law to carry flood insurance if they have a mortgage.
• Homeowners and renters outside flood zones are not required to have flood insurance, but are still at risk. Many recent claims have come from these areas.
• Business owners should also consider separate flood coverage, as commercial policies typically exclude flood damage.

• National Flood Insurance Program (NFIP): Most Connecticut residents can purchase a policy through the NFIP.
• Private Insurers: Some private companies offer flood insurance with different coverage options.
• Start Early: Remember, coverage usually takes effect 30 days after purchase.

While reviewing your flood insurance options, don’t forget about your vehicle. Car insurance in CT does not automatically cover flood damage. To protect your car from flood-related losses, you need comprehensive coverage as part of your car insurance policy. Speak with your insurance agent to ensure your policy meets your needs.

• Flood insurance is not included in standard homeowners, renters, or car insurance in CT policies.
• Flooding can happen anywhere, not just in high-risk zones.
• New laws are increasing transparency and requiring more disclosures to help you make informed decisions.
• Act now—don’t wait for the next storm to review your coverage.

For personalized advice on flood insurance or car insurance in CT, contact Insurance Near Me CT. Our experts are here to help you protect what matters most.