Short answer: According to Connecticut DEEP, every Connecticut municipality participates in the National Flood Insurance Program. DEEP also runs a Flood Management Certification program: any state agency proposing work in or affecting a floodplain, or that affects storm drainage, must get a certification under Conn. Gen. Stat. 25-68b through 25-68h before it proceeds.
This guide is general information for Connecticut property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Every town is in the NFIP
DEEP's National Flood Insurance Program page states that all Connecticut municipalities participate in the NFIP. That means NFIP policies are available statewide in participating communities, both inside and outside the Special Flood Hazard Area. Lenders still require flood insurance when a structure with a federally backed mortgage sits in the SFHA.
Flood Management Certification for state projects
DEEP's Flood Management page explains that Conn. Gen. Stat. Sections 25-68b through 25-68h require any state agency proposing an activity within or affecting a floodplain, or that impacts natural or man-made storm drainage facilities, to submit a Flood Management Certification to DEEP. Housing projects that use state money go through a published flowchart before construction. Private homeowners don't need that certification, but if a state road or housing project is planned near you, the certification process is how DEEP reviews floodplain impacts.
Coverage timing
Property policies generally exclude flood. Quote through FloodSmart. Most new NFIP policies have a 30-day waiting period, so buy before hurricane season, not during a named storm watch.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Connecticut.
Frequently asked questions
Do all Connecticut towns participate in the NFIP?
Yes. DEEP states that all Connecticut municipalities currently participate.
What is Connecticut Flood Management Certification?
A DEEP review required under Conn. Gen. Stat. 25-68b through 25-68h when a state agency proposes work in or affecting a floodplain or storm drainage.
When should Connecticut residents buy flood insurance?
Before they need it. Most new NFIP policies wait 30 days to take effect.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.