Norwich, Connecticut Flood Zones
Last updated: March 2026
Norwich faces riverine flooding from the Yantic, Shetucket, and Thames rivers converging in the city center in New London County. Heavy rainfall events cause the rivers to rise rapidly, threatening properties in the low-lying downtown and waterfront areas.
The county has recorded 2,153 NFIP flood insurance claims since 1978, totaling $30.9M 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
3,911
Avg. Premium
$1,510/yr
Federal Flood Disaster History: New London County
New London County has been included in 12 federal flood-related disaster declarations.
...and 4 earlier declarations since 1982.
These declarations affected communities across New London County, including Norwich.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: New London County
Properties in New London County have filed 2,153 NFIP flood insurance claims totaling $30.9M in payouts since 1978. The average claim payout is $14K.
Highest-Claim Years
2012
678 claims - $20.5M
2010
316 claims - $3.7M
1982
294 claims - $1.5M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Repetitive Loss Properties: New London County
New London County has 150 properties with multiple flood losses, including 9 severe repetitive loss properties.
Multiple Loss
150
Severe Rep. Loss
9
Mitigated
0
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: NEW LONDON County
NOAA has recorded 116 flood events in NEW LONDON County since 1996, causing $7.4M in damage and 1 death.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: New London County
FEMA has funded mitigation for 4 properties in New London County, investing $0 in flood risk reduction.
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
What Your Flood Zone Means in Norwich
Norwich 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 Norwich are Zone AE, Zone X.
Riverine flood risk in Norwich 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 Norwich address.
Flood Insurance Discount: Norwich
Norwich participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Norwich's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Norwich, CT Flood Zone FAQ
What flood zones are in Norwich, CT?
The most common FEMA flood zones in Norwich 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 Norwich?
If your Norwich 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 Norwich?
Enter your Norwich 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.
Does Norwich offer flood insurance discounts?
Yes. Norwich participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Norwich experienced major flooding events?
New London County, where Norwich is located, has been part of 12 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 Norwich?
New London County has recorded 2,153 NFIP flood insurance claims totaling $30.9M in payouts since 1978. The year with the most claims was 2012, with 678 claims and $20.5M in payouts. These figures cover all NFIP claims in the county, including Norwich.
How many flood insurance policies are active in Norwich?
New London County currently has 3,911 active NFIP flood insurance policies with an average annual premium of $1,510. The most policies are in Zone AE (2,445 policies). These figures cover all active NFIP policies in the county.
How many Norwich properties have flooded repeatedly?
New London County has 150 properties with multiple flood losses on record, including 9 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 Norwich 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 Norwich?
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 Norwich's Zone AE 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.
Other Connecticut Cities
Understanding Flood Zones
Look Up Any Norwich, CT Address
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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.