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 numbersHistorical averages, not a quote. Updated Oct 2026.
Connecticut at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Connecticut pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
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.
Typical premium per policy
Flood insurance
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.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
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.
Hazards across Connecticut's counties
Connecticut counties
All 9 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Capitol Planning Region | $1,782 | $1,459 | Relatively High |
| Greater Bridgeport Planning Region | $2,381 | $1,742 | Relatively Moderate |
| Lower Connecticut River Valley Planning Region | $2,222 | $2,109 | Relatively Moderate |
| Naugatuck Valley Planning Region | $1,646 | $1,781 | Relatively Moderate |
| Northeastern Connecticut Planning Region | $1,726 | $1,625 | Relatively Low |
| Northwest Hills Planning Region | $2,306 | $1,741 | Relatively Low |
| South Central Connecticut Planning Region | $1,990 | $2,136 | Relatively High |
| Southeastern Connecticut Planning Region | $1,837 | $2,110 | Relatively Moderate |
| Western Connecticut Planning Region | $3,173 | $2,214 | Relatively High |
ZIP codes with the most flood policies
Practical next steps
Simple things Connecticut homeowners can do with this information.
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.