Flood Insurance for Westport, CT

Westport offers a coastal lifestyle while still being in close proximity to New York City. If you are looking to protect your home and personal possessions with flood insurance, reach out to our experienced team. With an office right here in Westport, we know the local community. We are grateful for our relationship with you, our clients, and the community that surrounds us. Whether you are looking for flood insurance, condominium insurance, watercraft insurance, or have questions, our team would be happy to chat.

Do I Need Flood Insurance in Westport, CT?

You can use this flood map from FEMA to see if your home in Westport is in an area with a high, moderate, or low flood risk. If you live in a high-risk flood zone and have a mortgage on your home, your lender may require you to purchase flood insurance as part of your mortgage requirements. The town of Westport also offers more information on Floodplains and FEMA Flood Map Changes on their website here.

Even if you do not live by a body of water, melting snow thaw or clogged drainage could make your property vulnerable to flooding. Most homeowners insurance policies do not cover damages caused by floods. It should be noted that according to floodsmart.gov, one in three insurance claims come from moderate to low-risk flood areas. If you are looking for flood insurance for your home, our local team is here to help. Send us an email or call us if you have questions.

Local Service for Fairfield County 

We’re local, with an office in Westport. We take a personal approach to your insurance needs. We are well versed when it comes to the various flood insurance options that may be available for coastal properties.

Our team is readily available by phone to answer questions you may have. If you experience a loss, our in-house claims department will strive to make the claims process simple and efficient.

Houses by the sea near Compo Beach, Westport, CT, USA
How Much Does Flood Insurance Cost? 

Floods are the one of the most expensive natural disasters, costing homeowners millions annually. There are several factors that are considered when your insurance premium is being determined. Some of the factors are:

  • Your home’s flood risk: low, moderate, or high
  • What type of coverage being purchased for your home
  • How much is the deductible for your selected coverage?
  • Where is your home located?
  • The age of your home, and if it has any unique characteristics
  • The location of items in your home

If you are looking to compare quotes, reach out to our local office.

Does Flood Insurance Have a Waiting Period? 

It should be noted that in most cases, it takes 30 days for a flood policy to go into effect once the application is submitted. There are a few exceptions to this rule. For example, if you purchase a flood insurance policy in conjunction with a mortgage loan, there could be no waiting period. If your property already has flood coverage and you decide to renew the policy, there generally is no waiting period- the new limits will begin when your old policy expires. If you have questions about flood insurance waiting periods, you can reach out to our knowledgeable staff.

Seagulls roosting on a wooden jetty at burying hill beach in Westport, Connecticut on a sunny winter day
Preventive Flooding Steps 

  • Clean any gutters installed on your home. Sometimes a clogged downspout can be blocked by debris causing backup and an excess of water. Also ensure your downspouts are draining away from the foundation of your home.
  • Check street drains near your house. Debris and snow can accumulate and prevent proper drainage.
  • If you have a sump pump, test to make sure the water is being properly pumped and flowing away from your home.
  • Shovel snow away from your home to help prevent any leaks near your foundation, doors, windows, and roof.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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