Flood history · Niantic, CT 06357
Flood insurance claims in Niantic, CT 06357
169 claims since 1978 and $3.7 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 06357 since 1978.
What the record says
80% of claims were on properties in high-risk zones and 20% outside them.
Losses are spread across many events; the largest, Hurricane Sandy, accounts for 38% of claims.
4 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
East Lyme, Town Of takes part in FEMA's Community Rating System (class 8), which can lower flood insurance premiums by up to 10% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Sandy | 2012 | 65 | 38% |
| Not a named storm | 1982 | 22 | 13% |
| March 2010 Nor'easter | 2010 | 19 | 11% |
| Hurricane Irene | 2011 | 12 | 7% |
| Hurricane Gloria | 1985 | 9 | 5% |
| December Storm - Nor'easter | 1992 | 7 | 4% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Southeastern Connecticut County
Flood, hurricane and storm declarations since 2000.
18 flood, storm or hurricane declarations for Southeastern Connecticut County since 2000.
Check a specific address in Niantic.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.
All Connecticut ZIP codes · All states · Flood zones explained