Record Rainfall in Connecticut: Why You Need Flood Insurance Now

As Connecticut experiences record rainfall this season, homeowners across the state are learning a hard truth: most standard homeowners' insurance policies do not cover flood damage. Unfortunately, many discover this only after the water rises — when it’s too late to protect their homes, finances, and peace of mind.

At Insure Connecticut, LLC, we’re committed to helping Connecticut residents understand their risks and protect what matters most. If you're a homeowner in Connecticut, especially in areas seeing increased precipitation and runoff, now is the time to consider how a flood insurance policy can fill a critical gap in your protection.

The Misconception About Flood Coverage

One of the most common misconceptions in the insurance world is that homeowners' insurance covers all types of water damage. While most policies will help with issues like a burst pipe or water damage from a roof leak, they typically exclude flood damage caused by rising water or surface runoff— the kind often associated with storms, heavy rain, or overflowing rivers and streams.

This is not a small oversight. With rainfall levels reaching record highs in many parts of Connecticut, areas that have never flooded before are suddenly facing significant water intrusion. Basement flooding, property damage, and even structural issues are becoming more common and expensive.

What Is Considered a “Flood”?

For insurance purposes, a flood is defined as an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties. This can happen due to:

• Heavy or prolonged rain

• Overflow of rivers, lakes, or streams

• Melting snow

• Storm surges from coastal storms

• Blocked storm drains or inadequate infrastructure

If any of these causes flood your property, your homeowners policy likely won’t pay for the damage unless you have a separate flood insurance policy.

Why Flood Insurance Matters in Connecticut

You may not live in a FEMA-designated high-risk flood zone, but that doesn’t mean you’re safe. In fact, more than 20% of flood claims come from properties outside high-risk flood areas.

And here in Connecticut, the combination of changing weather patterns, aging infrastructure, and increased rainfall means the risk is rising — even for homes that have never flooded before.

Here are some key facts to consider:

• Just one inch of floodwater can cause up to $25,000 in damage.

• Connecticut has seen a steady increase in flash flood warnings and watches over the past five years.

• Many local homeowners only realize the importance of flood insurance after they experience a flood, when it's too late to buy a policy.

What Does Flood Insurance Cover?

Flood insurance is available through the National Flood Insurance Program (NFIP), which is backed by FEMA, as well as through private insurance companies. At Insure Connecticut, LLC, we work with both sources to help our clients find the right fit for their homes and budgets.

A flood policy typically covers:

Building Property Coverage

• Foundation and structural elements

• Electrical and plumbing systems

• HVAC equipment, water heaters, and major appliances

• Permanently installed carpeting, paneling, and cabinetry

• Detached garages (up to a certain limit)

Personal Property Coverage (optional)

• Furniture and electronics

• Clothing, curtains, and other belongings

• Portable appliances

• Valuable items (up to specific limits)

It’s important to note that there is a 30-day waiting period for most flood insurance policies to go into effect, so waiting until a flood watch is issued won’t help. The time to act is now.

Insure Connecticut, LLC: Your Local Flood Insurance Experts

At Insure Connecticut, LLC, we understand the unique needs of homeowners in our state. Whether you’re on the coast, near a river, or just concerned about runoff from your neighborhood streets, we can help you evaluate your risk and choose a flood policy that gives you peace of mind.

Here’s what we offer:

✅ Free Flood Risk Consultations: Not sure if you’re at risk? We’ll help you understand your flood zone and how it affects your insurance options.

✅ Custom Policy Options: We compare NFIP and private flood insurance markets to find the best protection for your needs and budget.

✅ End-to-End Support: From quotes and enrollment to claims support, we’re your partner in protection year-round.

✅ Bundling Discounts: In some cases, we can bundle policies to save you money while expanding your coverage.

Real-World Example: Flood Damage Without Coverage

Consider this scenario: A family in central Connecticut experiences flash flooding after a week of steady rain. Water enters their finished basement, destroying furniture, flooring, and their HVAC system. They call their homeowners insurance provider, only to be told the damage isn’t covered. The repairs and replacements cost over $35,000 out of pocket.

This situation could have been avoided with a flood insurance policy that may have cost just a few hundred dollars a year.

Act Before the Next Storm

Don’t wait until water is seeping into your home to find out you’re not covered. With changing weather patterns and increasing rainfall, flood insurance is no longer optional — it's essential.

Let Insure Connecticut, LLC help you prepare. We’re here to answer your questions, assess your risk, and provide the coverage that protects your home, your assets, and your future.

📞 Call us today for a free flood insurance consultation, or visit our website to request a quote. Flooding can happen to anyone, but with the right insurance, it doesn’t have to become a financial disaster.

About Insure Connecticut, LLC

Insure Connecticut, LLC is a trusted, independent insurance agency serving homeowners and businesses across the state. We provide personalized solutions in home, auto, flood, life, and commercial insurance. Our experienced agents are committed to protecting what matters most to you, with expert advice and exceptional customer service.