Aerial view of a residential area flooded with water, showing partially submerged houses and trees.

Flood Insurance

One of the biggest mistakes homeowners make is assuming their homeowners insurance covers flood damage—or that they don’t need flood insurance because they don’t live in a floodplain.

Floods can occur due to storms, melting snow, hurricanes, water backup from overloaded or inadequate drainage, or broken water mains. According to FEMA, 30% of flood claims come from homeowners in low- to moderate-risk areas.

The cost of flood insurance varies by location. On average, homeowners pay about $958 per year ($80 per month), though premiums can be higher if you live in a high-risk flood zone.

Get a Free Quote Today
Call (203) 734-1601 or Contact Us to speak with an agent and secure flood insurance coverage that meets your needs.

Wet tram tracks on a city street at dusk with a tram approaching in the background and reflections of lights on the wet surface

The Olderman & Hallihan Agency Inc.

Phone: (203) 734-1601
Fax: 203-732-0169
Address: 400 Main Street
Ansonia, CT 06401

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Open Hours

Monday & Tuesday
8:30 am - 4:30 pm

Wednesday
8:30 am-12:00 pm

Thursday & Friday
8:30 am-4:30 pm

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The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.