Why Your Connecticut Policy Now Says "Flood Is Not Covered" — the Notice That Started 1 July 2026

A Notice You Did Not Ask For, on a Policy You Already Have

If your Connecticut homeowners or renters declarations page recently started carrying a bold, plain-language statement that flood losses are not covered, you did not imagine it and your carrier did not add it by choice. Connecticut passed a law requiring it, and it is now showing up on new and renewed policies across the state.

What Actually Changed

Public Act 25-33 requires every Connecticut homeowners and renters insurer — including dwelling fire and condominium policies — to place a clear, conspicuous, plain-language notice on the declarations page stating that flood losses are not covered under the policy and that separate flood insurance is available for purchase. The Connecticut Insurance Department detailed the requirement to insurers in Bulletin PC-93-25, dated July 8, 2025, and set a deadline of January 31, 2026 for insurers to file their proposed notice language through SERFF for approval. The notice itself is required to appear on all homeowners and renters policies effective on or after July 1, 2026 — which is why it is showing up now, on this year's renewals.

The wording carriers are filing typically reads something close to "FLOOD COVERAGE IS NOT PROVIDED UNDER THIS INSURANCE POLICY," printed prominently rather than buried in the form language further back in the packet.

One law, two different disclosure obligations — don't confuse them

Public Act 25-33 also contains a separate flood-disclosure requirement that applies to home sellers and landlords, not insurers, tied to real estate transactions rather than to your existing policy. That is a distinct obligation on a different party and belongs in a different conversation — this notice on your declarations page is about the policy you already hold, not about buying or selling a house.

Why the State Did This

Standard homeowners and renters policies have excluded flood damage for decades, but that exclusion is written into policy language most people never read closely, and flood coverage has always required a separate purchase — typically through the National Flood Insurance Program or a private flood carrier. Connecticut's legislature and insurance regulators concluded that leaving this gap implicit in the fine print was not serving homeowners well, particularly as flood risk in the state has become both more visible and more contested. The new notice does not change what your policy covers. It makes explicit, on the page you are most likely to actually look at, a gap that already existed.

What to Do When You See This Notice

The notice is functioning as intended if it prompts a real question: do you actually have flood coverage anywhere? For most Connecticut homeowners, the honest answer is no, unless they specifically bought it. What to check:

• Confirm whether you carry flood coverage at all — through the NFIP, an excess flood layer, or a private flood policy. If you are not certain, you likely do not have it.
• Do not wait for a storm forecast to buy it. NFIP policies generally carry a 30-day waiting period before coverage takes effect, with narrow exceptions tied to mortgage closings.
• Check whether NFIP limits are enough. Federal flood limits are capped well below the rebuild cost of many Connecticut homes, particularly along the shoreline — see our guide to Connecticut flood zones and NFIP coverage for how the limits and zone determinations work.
• If you are outside a mapped flood zone, do not assume you are outside flood risk. A meaningful share of Connecticut flood claims originate outside the zones that trigger a mandatory-purchase requirement.

This notice is state-manufactured demand for a conversation Connecticut homeowners should be having anyway. Review your Connecticut flood insurance options, or contact New England Insurance to find out plainly whether the gap this notice describes is a gap in your own coverage.