New Haven County Flood Insurance

Flood Protection in New Haven County

In New Haven County, “flood risk” isn’t just for beachfront property in Milford or Branford. Between the rising tides of the Long Island Sound and the overflow potential of the Quinnipiac, Mill, and West Rivers, flooding is a reality for inland and coastal residents alike.

At ABC Insurance Agency, we want to clear up the biggest misconception in the industry: Your standard homeowners insurance does NOT cover flood damage. Whether it’s a hurricane surge or a heavy spring downpour, you need dedicated protection to stay dry.

Why New Haven County Needs a Local Expert

New Haven’s geography is complex. We don’t just look at a map; we look at the details:

  • The “Elm City” Infrastructure: We understand the “sunny day” flooding that can happen in downtown New Haven when storm sewers are overwhelmed by high tides.
  • Elevation Certificates: In high-risk areas like Fair Haven, an Elevation Certificate can sometimes cut your premiums by 40% or more. We can help you determine if getting one is worth the investment.
  • Map Changes: FEMA is currently updating maps for New Haven County. We help you stay ahead of reclassifications so you aren’t surprised by a sudden lender requirement.

New for 2026: Connecticut Flood Disclosure Laws

If you are buying or selling a home in New Haven County this year, flood insurance is more important than ever. As of July 1, 2026, new Connecticut state laws require sellers to provide a comprehensive flood disclosure.

What this means for you:

  • Transparency: Sellers must disclose if a property is in a FEMA flood zone or has a history of flooding.
  • Impact on Value: Homes with existing, transferable flood policies or documented mitigation (like elevation) are becoming highly desirable in the local market.
  • Requirement: If you have a federally backed mortgage and live in a high-risk zone (like Zone AE), insurance is mandatory.

Areas We Serve

We’re dedicated to helping you stay protected — no matter where the road takes you.

We proudly serve Ansonia, Beacon Falls, Bethany, Branford, Cheshire, Derby, East Haven, Guilford, Hamden, Madison, Meriden, Middlebury, Milford, Naugatuck, New Haven, North Branford, North Haven, Orange, Oxford, Prospect, Seymour, Southbury, Wallingford, Waterbury, West Haven, Wolcott and Woodbridge.