Flood Insurance

Flood Insurance for Connecticut Homeowners and Renters

You don’t have to live on the shoreline to experience flood damage. Heavy rain, backed-up storm drains, melting snow, or a burst dam miles away can lead to water in your basement—and water doesn’t care about zip codes.

Here’s the catch: homeowners and renters insurance typically does not cover flood damage. That’s where flood insurance comes in.



At Spectrum Insurance, we help Connecticut families understand their flood risk and get coverage that protects their property—and their peace of mind. Whether you live along the coast or inland near a river, we’ll walk you through your options and make sure you’re not caught off guard when the water rises.

What Does Flood Insurance Cover?

Flood insurance is available through the National Flood Insurance Program (NFIP) or private carriers, and it typically includes:

Structure Coverage (Building Property):

• Your home’s foundation, walls, and flooring
• Electrical and plumbing systems
• HVAC units, water heaters, and built-ins
• Detached garages and essential structural components

Contents Coverage (Personal Property):

• Furniture, clothing, electronics
• Appliances
• Rugs, curtains, and valuables stored in the basement
• Other personal belongings damaged by rising water

You can choose building, contents, or both—depending on your needs and location.

Real-World Example: The Sudden Soaker

You live in a quiet Connecticut neighborhood nowhere near the coast. After days of heavy rain, a nearby brook overflows, sending water into your finished basement. Your furnace, washer/dryer, and family room are soaked.

Homeowners insurance? Won’t help. But your flood insurance policy? That kicks in to cover cleanup and replacement costs—keeping your savings intact and your home livable.

Do I Really Need Flood Insurance If I’m Not in a High-Risk Zone?

According to FEMA, more than 20% of flood claims come from areas considered low or moderate risk. Even a few inches of water can cause tens of thousands of dollars in damage—especially to basements, electrical systems, and appliances.



And if your home is in a high-risk zone, your mortgage lender may already require it.

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At Spectrum Insurance, we compare quotes from top-rated carriers across Connecticut, tailoring coverage to your specific needs, industry, and budget. You tell us what you do—we’ll find the right fit, explain it clearly, and make sure you’re not overpaying.