Flood Insurance
The National Flood Insurance Program is a federally sponsored program which provides a maximum building coverage limit of $250,000 on single family dwellings, two to four family dwellings, condo, and co-op units.
The maximum coverage limit on contents is $100,000.
Lenders require flood insurance on homes in the 100 year flood plain (A&V zones).
Coverage can be purchased through insurance agents such as HomeServices Insurance Northeast.
Additional (non-NFIP) "private market" flood policy options may be available in A & V zones.
Our agents can also provide excess Dwelling and Contents coverage through other Insurance companies if the NFIP limits are not sufficient for your specific needs.
If you are buying or selling a home you should be aware of the following:
- Homes built prior to the date your town entered the National Flood Insurance Program do not require an elevation certificate, although in a limited number of cases it may reduce your premium.
This is known as pre-firm (flood insurance rate map) construction.
A list of dates when towns entered the NFIP are available online with NFIP at www.fema.gov/national-flood-insurance-program/national-flood-insurance-program-community-status-book , or upon request with us.
The date your town entered the NFIP is referred to as the "firm date," most towns entered the program in the late 1970's or early 1980's.
- All homes built after the town entered the National Flood Insurance Program will need an elevation certificate regardless of the closing date.
This is known as post-firm construction.
These newer construction homes typically have positive elevation and pay a lower flood insurance premium.
- Buyers of secondary residences (homes not occupied at least 51% of the first 365 days following closing) will pay a higher premium than primary residences.
One of six types of evidence of primary residence documentation will be required of all policy holders.
The following are some of the recent changes effective 4/1/2018:
- Overall premiums will increase an average of 8%
- Primary residences will see an increase of 5% with a cap of 15%
- Non-primary (pre-firm) residence policies will increase an average of 24%
- Post-firm A zone homes will typically increase 1% and V zones 11%
If you have any questions or need flood insurance for your home, condo, co-op, or rental feel free to call HomeServices Insurance Northeast at 203-967-9647
Federal Emergency Management Agency
Federal Insurance Administration
Communities Participating in the National Flood Program
Information provided by HomeServices Insurance Northeast
| CID |
Community Name |
County |
Date of Entry |
| 90002 |
BRIDGEPORT |
Fairfield |
10/15/1980 |
| 90003 |
BROOKFIELD |
Fairfield |
06/15/1979 |
| 90004 |
DANBURY |
Fairfield |
05/02/1977 |
| 90005 |
DARIEN |
Fairfield |
01/02/1981 |
| 90007 |
FAIRFIELD |
Fairfield |
08/15/1978 |
| 90008 |
GREENWICH |
Fairfield |
09/30/1977 |
| 90009 |
MONROE |
Fairfield |
04/17/1985 |
| 90010 |
NEW CANAAN |
Fairfield |
05/16/1977 |
| 90188 |
NEW FAIRFIELD |
Fairfield |
02/15/1984 |
| 90011 |
NEWTOWN |
Fairfield |
06/15/1979 |
| 90012 |
NORWALK |
Fairfield |
04/03/1978 |
| 90141 |
REDDING |
Fairfield |
06/15/1982 |
| 90013 |
RIDGEFIELD |
Fairfield |
09/30/1982 |
| 90014 |
SHELTON |
Fairfield |
09/29/1978 |
| 90166 |
SHERMAN |
Fairfield |
06/18/1987 |
| 90015 |
STAMFORD |
Fairfield |
01/16/1981 |
| 90016 |
STRATFORD |
Fairfield |
06/01/1978 |
| 90017 |
TRUMBULL |
Fairfield |
12/04/1979 |
| 90018 |
WESTON |
Fairfield |
10/17/1978 |
| 90019 |
WESTPORT |
Fairfield |
07/02/1980 |
| 90020 |
WILTON |
Fairfield |
11/17/1982 |
| 90021 |
AVON |
Hartford |
05/16/1977 |
| 90122 |
BLOOMFIELD |
Hartford |
08/15/1977 |
| 90023 |
BRISTOL |
Hartford |
11/18/1981 |
| 90145 |
BURLINGTON |
Hartford |
06/01/1981 |
| 90135 |
CANTON |
Hartford |
08/02/1979 |
| 90028 |
ENFIELD |
Hartford |
03/28/1980 |
| 90029 |
FARMINGTON |
Hartford |
08/15/1977 |
| 90124 |
GLASTONBURY |
Hartford |
06/15/1978 |
| 90125 |
GRANBY |
Hartford |
02/15/1980 |
| 95080 |
HARTFORD |
Hartford |
04/28/1972 |
| 90148 |
MARLBOROUGH |
Hartford |
05/17/1982 |
| 90033 |
NEWINGTON |
Hartford |
10/16/1979 |
| 90035 |
SIMSBURY |
Hartford |
05/16/1977 |
| 90036 |
SO. WINDSOR |
Hartford |
05/01/1980 |
| 90037 |
SOUTHINGTON |
Hartford |
07/16/1981 |
| 90040 |
WETHERSFIELD |
Hartford |
05/02/1977 |
| 95082 |
W. HARTFORD |
Hartford |
09/24/1971 |
| 90041 |
WINDSOR |
Hartford |
09/29/1978 |
| 90184 |
BRIDGEWATER |
Litchfield |
11/01/1979 |
| 90047 |
LITCHFIELD |
Litchfield |
06/15/1982 |
| 90049 |
NEW MILFORD |
Litchfield |
04/15/1980 |
| 90051 |
ROXBURY |
Litchfield |
12/03/1987 |
| 90057 |
WASHINGTON |
Litchfield |
06/03/1988 |
| 90133 |
WOODBURY |
Litchfield |
01/05/1978 |
| 90060 |
CHESTER |
Middlesex |
07/16/1980 |
| 90061 |
CLINTON |
Middlesex |
09/30/1980 |
| 90062 |
DEEP RIVER |
Middlesex |
01/16/1981 |
| 90063 |
EAST HADDAM |
Middlesex |
11/01/1979 |
| 90064 |
EAST HAMPTON |
Middlesex |
10/16/1979 |
| 90065 |
ESSEX |
Middlesex |
07/16/1980 |
| 90066 |
HADDAM |
Middlesex |
01/16/1980 |
| 90068 |
MIDDLETOWN |
Middlesex |
12/16/1980 |
| 90174 |
KILLINGWORTH |
Middlesex |
03/15/1982 |
| 90069 |
OLD SAYBROOK |
Middlesex |
07/03/1978 |
| 90070 |
WESTBROOK |
Middlesex |
12/01/1982 |
| 90073 |
BRANFORD |
New Haven |
12/15/1977 |
| 90076 |
EAST HAVEN |
New Haven |
02/01/1978 |
| 90077 |
GUILFORD |
New Haven |
05/01/1978 |
| 90079 |
MADISON |
New Haven |
09/15/1978 |
| 90080 |
MIDDLEBURY |
New Haven |
10/16/1979 |
| 90082 |
MILFORD |
New Haven |
09/29/1978 |
| 90084 |
NEW HAVEN |
New Haven |
07/16/1980 |
| 90085 |
NO. BRANFORD |
New Haven |
07/03/1978 |
| 90086 |
NO. HAVEN |
New Haven |
09/17/1980 |
| 90150 |
OXFORD |
New Haven |
12/04/1979 |
| 90089 |
SOUTHBURY |
New Haven |
03/28/1980 |
| 90090 |
WALLINGFORD |
New Haven |
09/15/1978 |
| 90092 |
WEST HAVEN |
New Haven |
01/17/1979 |
| 90065 |
COLCHESTER |
New London |
06/15/1982 |
| 90096 |
EAST LYME |
New London |
06/15/1981 |
| 90092 |
GROTON |
New London |
05/15/1980 |
| 90157 |
LEDYARD |
New London |
04/01/1981 |
| 90127 |
LYME |
New London |
01/03/1979 |
| 90099 |
MONTVILLE |
New London |
07/02/1980 |
| 90100 |
NEW LONDON |
New London |
05/02/1977 |
| 90129 |
NOANK |
New London |
09/17/1980 |
| 90101 |
N. STONINGTON |
New London |
04/03/1985 |
| 90103 |
OLD LYME |
New London |
07/16/1980 |
| 90139 |
PRESTON |
New London |
03/04/1985 |
| 90193 |
STONINGTON BORO. |
New London |
11/01/1979 |
| 90106 |
STONINGTON TOWN |
New London |
09/30/1980 |
| 90107 |
WATERFORD |
New London |
02/04/1981 |
| 90161 |
ANDOVER |
Tolland |
02/03/1982 |
| 90109 |
BOLTON |
Tolland |
06/01/1981 |
| 90110 |
COVENTRY |
Tolland |
06/04/1980 |
| 90158 |
ELLINGTON |
Tolland |
03/15/1982 |
| 90171 |
TOLLAND |
Tolland |
04/01/1982 |
| 90131 |
VERNON |
Tolland |
12/04/1979 |
| 90165 |
ASHFORD |
Windham |
12/01/1981 |
| 90164 |
BROOKLYN |
Windham |
01/03/1985 |
| 90115 |
EASTFORD |
Windham |
06/16/1983 |
| 90170 |
HAMPTON |
Windham |
12/04/1985 |
| 90136 |
KILLINGLY |
Windham |
01/03/1985 |
| 90163 |
POMFRET |
Windham |
04/17/1985 |
| 90194 |
PUTNAM |
Windham |
10/18/1988 |
| 90117 |
THOMPSON |
Windham |
11/01/1984 |
| 90120 |
WOODSTOCK |
Windham |
11/01/1984 |
| 445395 |
CHARLESTOWN |
Washington |
07/13/1972 |
| 440032 |
EXETER |
Washington |
03/01/1982 |
| 440028 |
HOPKINTON |
Washington |
03/16/1981 |
| 445402 |
NARRAGANSETT |
Washington |
12/07/1971 |
| 440031 |
RICHMOND |
Washington |
11/05/1980 |
| 445410 |
WESTERLY |
Washington |
07/28/1972 |
Office Locations
North Haven Office
15 Broadway
North Haven, CT 06473
PHONE: 203-773-5107
Stamford Office
60 Long Ridge Road Suite 403
Stamford, CT 06906
PHONE: 203-967-9647
Wallingford Office
860 North Main St. Ext.
Wallingford, CT 06492
PHONE: 860-571-7084