FLOOD INSURANCE

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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, and condo 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. 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 4/1/2017:

  • An average premium increase on primary residences of 5.4% but capped at 18% on pre-firm residences.
  • Non-primary residence policies will increase by an average of 25%.
  • Non-residential properties will also see an increase of 25%" .

 

If you have any questions or need flood insurance for your home, condo 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