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Home insurance costs & natural hazards in Connecticut

Plain facts for Connecticut homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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Connecticut at a glance

Four numbers most homeowners ask about first.

$1,910
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$2,040
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.91%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

3 of 9
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Connecticut in numbers
3.6M
residents (2020 Census)
3.9%
of policies had a paid claim (2022, median ZIP)
$17,173
average paid claim (2022, median ZIP)
18,670
single-family NFIP flood policies (2025)

What homeowners in Connecticut pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Connecticut ZIP code saw homeowners premiums of $1,910 per policy in 2022, 23% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure held roughly steady between 2018 and 2022. The figures come from 254 Connecticut ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
ConnecticutU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 18,670 single-family NFIP policies took effect in Connecticut in 2025, at an average full cost of $2,040, compared with $1,707 in 2022. About 75% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

18,670 policies
A zones 67%X/B/C zones 25%V zones 8%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Connecticut's 9 counties FEMA rates relatively high or very high for each hazard. The most widespread are hurricane, ice storm and inland flooding. Open any county for its full hazard profile.

How the ratings work

Hazards across Connecticut's counties

Counties FEMA rates relatively high or very high

Connecticut counties

All 9 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

CountyPremiumFloodFEMA rating
Capitol Planning Region$1,782$1,459Relatively High
Greater Bridgeport Planning Region$2,381$1,742Relatively Moderate
Lower Connecticut River Valley Planning Region$2,222$2,109Relatively Moderate
Naugatuck Valley Planning Region$1,646$1,781Relatively Moderate
Northeastern Connecticut Planning Region$1,726$1,625Relatively Low
Northwest Hills Planning Region$2,306$1,741Relatively Low
South Central Connecticut Planning Region$1,990$2,136Relatively High
Southeastern Connecticut Planning Region$1,837$2,110Relatively Moderate
Western Connecticut Planning Region$3,173$2,214Relatively High

ZIP codes with the most flood policies

Practical next steps

Simple things Connecticut homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.