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Home insurance & flood costs in ZIP 06437 (Guilford, CT)

Plain facts for homeowners in Guilford: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 06437 at a glance

Four numbers most homeowners ask about first.

$2,725
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,958
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.49%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.0%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 06437 in numbers
$27,904
average paid claim (2022)
−1%
premium change 2018–2022, after inflation
1.52%
cancelled by insurers mid-term (2022)
362
single-family NFIP policies (2025)

What homeowners here 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 average premium per policy in ZIP 06437 was $2,725 in 2022, 37% above the South Central Connecticut Planning Region typical ZIP ($1,990) and 76% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it held roughly steady between 2018 and 2022. About 4.0% of policies here had a paid claim in 2022, and insurers chose not to renew 1.49% of policies.

South Central Connecticut Planning Region overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 06437South Central ConnecticutU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 06437 in 2025 cost $1,958, based on 362 policies, compared with $1,609 in 2022. About 72% of them are for homes in high-risk A or V zones.

Average flood policy cost

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

Policies by flood zone, 2025

362 policies
A zones 60%X/B/C zones 28%V zones 12%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for South Central Connecticut Planning Region

The chart shows the share of homeowners policies in ZIP 06437 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for South Central Connecticut Planning Region are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Hurricane97 · Relatively High
  • Inland flooding97 · Relatively High
  • Ice storm97 · Very High
  • Coastal flooding94 · Relatively High
  • Lightning92 · Relatively High

Other ZIP codes in South Central Connecticut Planning Region

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 21; see the county page for all.

06405 Branford · $2,48806443 Madison · $3,08106450 Meriden · $1,48406451 Meriden · $1,48606460 Milford · $2,04506461 Milford · $1,92106471 North Branford · $1,83706472 Northford · $1,93506473 North Haven · $1,77906477 Orange · $2,29706492 Wallingford · $1,64806511 New Haven · $3,399

Practical next steps

Simple things homeowners in ZIP 06437 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.
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.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

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.