Insure Connecticut's Ultimate Guide to Secure Your Future: Expert Insurance Tips and Tricks

If a pipe bursts under your kitchen sink, your Connecticut homeowners policy pays for it. If the Housatonic River overflows its banks after a week of heavy rain, or a nor'easter pushes Long Island Sound into your basement, that same policy pays for nothing. That distinction surprises a lot of homeowners, usually at the worst possible moment: right after the water recedes and the adjuster tells them flood damage was never part of their coverage to begin with.

Flood risk is rising—and so is confusion around flood insurance options. If you’re trying to decide between NFIP vs private flood insurance, you’re not alone.

As of midnight on September 30, 2025, the National Flood Insurance Program (NFIP) officially entered a lapse in authorization.

Today, more Connecticut homeowners are turning to flood insurance policies—not just those on the coast, but inland as well.

the bill would require insurance producers—agents and brokers—to notify applicants when a homeowners, renters, or commercial property policy doesn’t include flood coverage.