Bridgeport, CT Flood Zone Lookup
Last updated: March 2026
Bridgeport is exposed to Long Island Sound storm surge and coastal flooding. Significant portions of the city's waterfront and low-lying areas are in high-risk flood zones.
The county has recorded 12,618 NFIP flood insurance claims since 1978, totaling $280.2M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 1
NFIP Policies
1
Avg. Premium
$4,015/yr
Federal Flood Disaster History: Fairfield County
Fairfield County has been included in 14 federal flood-related disaster declarations.
...and 6 earlier declarations since 1982.
These declarations affected communities across Fairfield County, including Bridgeport.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Fairfield County
Properties in Fairfield County have filed 12,618 NFIP flood insurance claims totaling $280.2M in payouts since 1978. The average claim payout is $22K.
Highest-Claim Years
2012
3,225 claims - $153.5M
1992
1,581 claims - $26.9M
2011
1,380 claims - $23.1M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
What Your Flood Zone Means in Bridgeport
Bridgeport is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Bridgeport are Zone AE, Zone VE, Zone X. Properties in Bridgeport's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Bridgeport are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Bridgeport address.
Repetitive Loss Properties: Fairfield County
Fairfield County has 1,337 properties with multiple flood insurance losses, including 159 severe repetitive loss properties. 42 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
1,337
2+ claims within 10 years
Severe Repetitive Loss
159
4+ claims or 2 exceeding value
Mitigated
42
Received FEMA mitigation
By Flood Zone
Zone data available for 1,325 of 1,337 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Fairfield County
NOAA has recorded 193 flood events in Fairfield County since 1996, causing $18.8M in damage and 2 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Fairfield County
FEMA has funded mitigation for 175 properties in Fairfield County, investing $19.8M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Bridgeport, CT Flood Zone FAQ
What flood zones are in Bridgeport, CT?
The most common FEMA flood zones in Bridgeport are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Bridgeport?
If your Bridgeport property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Bridgeport?
Enter your Bridgeport address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
What type of flooding affects Bridgeport?
Bridgeport is primarily affected by coastal flooding including storm surge and wave action. The most common FEMA flood zone designations are Zone AE, Zone VE, Zone X. Use the free lookup tool above to check the specific flood zone for any Bridgeport address.
Has Bridgeport experienced major flooding events?
Fairfield County, where Bridgeport is located, has been part of 14 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Remnants of Hurricane Ida in 2021. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Bridgeport?
Fairfield County has recorded 12,618 NFIP flood insurance claims totaling $280.2M in payouts since 1978. The year with the most claims was 2012, with 3,225 claims and $153.5M in payouts. These figures cover all NFIP claims in the county, including Bridgeport.
How many flood insurance policies are active in Bridgeport?
Fairfield County currently has 1 active NFIP flood insurance policies with an average annual premium of $4,015. The most policies are in Zone AE (1 policies). These figures cover all active NFIP policies in the county.
How many Bridgeport properties have flooded repeatedly?
Fairfield County has 1,337 properties with multiple flood losses on record, including 159 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Bridgeport property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Bridgeport?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Bridgeport's Zone AE and Zone VE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.