Hartford, Connecticut Flood Zones
Hartford sits along the Connecticut River and has experienced catastrophic riverine floods historically. A flood control system with dikes and floodwalls provides protection, but the city remains at risk during extreme events.
FEMA Flood Risk Profile: Capitol County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $240.5M
Coastal Flood Risk
Very LowEst. annual loss: $14K
Hurricane Risk
Relatively HighEst. annual loss: $15.3M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Common Flood Zones in Hartford
Properties in Hartford, CT are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Hartford
Hartford faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Hartford are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $240.5M.
Riverine flood risk in Hartford is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. 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.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Hartford address.
Check Your Hartford Address
Enter any Hartford, CT address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupHartford, CT Flood Zone FAQ
What flood zones are in Hartford, CT?
The most common FEMA flood zones in Hartford are Zone AE, 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 Hartford?
If your Hartford 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 about 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Hartford?
Enter your Hartford 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.
How high is flood risk in Hartford?
According to FEMA's National Risk Index, Capitol County (where Hartford is located) has a "Relatively High" rating for inland flood risk. The estimated annual flood loss for the county is $240.5M. This county-level assessment considers historical flood losses, social vulnerability, and community resilience.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026