.png)
Protect Your Connecticut Home from Flooding with Insure Connecticut LLC
Flooding is a significant risk in Connecticut, regardless of whether you live in a designated flood zone. Unexpected rainfall, rising rivers, and coastal storms can cause devastating damage to homes and businesses. Don't wait for a disaster to strike – protect your most valuable asset with flood insurance from Insure Connecticut LLC.
What Is Flood Insurance?
Flood insurance is a separate insurance policy that covers damage caused by rising water, storm surge, heavy rains, or overflowing bodies of water — events that are not covered under standard homeowners or renters insurance.
With climate change and extreme weather becoming more frequent in Connecticut and beyond, protecting your property from flooding is no longer optional — it's essential.
What Does Flood Insurance Cover?
Flood insurance typically comes in two parts:
-
Your home’s foundation and structure
-
Electrical and plumbing systems
-
Central air and heating
-
Built-in appliances and flooring
-
Detached garages
💡Note: Coverage limits may vary depending on whether you purchase a policy through the National Flood Insurance Program (NFIP) or a private flood insurer. We can help you compare options.
Do I Need Flood Insurance in Connecticut?
Yes — even if you're not in a designated high-risk flood zone.
-
Over 20% of flood claims come from moderate-to-low risk areas, according to FEMA.
-
Many Connecticut towns have experienced flooding in recent years, including inland communities.
Mortgage lenders may require flood insurance if your property is in a Special Flood Hazard Area (SFHA) — but even if it’s not, the financial risk is real.
We recommend flood insurance for:
-
Homeowners near rivers, lakes, or coastal areas
-
Inland property owners in heavy rain-prone areas
-
Condo and townhome residents
-
Renters whose personal belongings are at risk
-
Business owners with physical property or inventory
How Much Does Flood Insurance Cost?
The cost of flood insurance varies based on your property’s location, elevation, flood zone, and the amount of coverage you choose. In Connecticut, premiums for National Flood Insurance Program (NFIP) policies typically range from $600 to $1,200 per year, but rates can be lower or higher depending on your risk profile. Private flood insurance may offer more competitive pricing and broader coverage, especially for higher-value homes or those outside high-risk zones. We can help you compare both options and find a policy that fits your needs and budget.
What’s the Difference Between NFIP and Private Flood Insurance?
NFIP flood insurance is backed by FEMA and offers standardized coverage, typically up to $250,000 for the building and $100,000 for personal contents, with a 30-day waiting period. Private flood insurance, on the other hand, often offers higher coverage limits, shorter waiting periods, and additional features like loss of use or basement contents coverage. While NFIP is widely available, private flood policies may not be offered in all areas. Our team will walk you through the pros and cons of each, so you can make an informed decision.
Why Choose Insure Connecticut LLC for Your Flood Insurance?
We’re an independent insurance agency based in Connecticut and licensed in multiple states — which means we work for you, not the insurance companies. When it comes to flood protection:
✅ We assess your unique risk — even in low-risk areas
✅ We compare NFIP and private flood insurance options
✅ We help you understand the fine print
✅ We’re local — we know Connecticut’s flood risks and regulations
Don’t wait until a flood is in the forecast. Flood insurance usually has a waiting period — so acting early is critical.
