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Flood Hazard Information

The Town of West Hartford actively manages its floodplain by undertaking a variety of activities as outlined in the Federal Emergency Management Agency’s (FEMA’s) Community Rating System (CRS). The CRS is a program under the National Flood Insurance Program (NFIP) which recognizes community efforts beyond those minimum standards by reducing flood insurance premiums for the community’s property owners. “The CRS is similar to — but separate from — the private insurance industry’s programs that grade communities on the effectiveness of their fire suppression and building code enforcement. CRS discounts on flood insurance premiums range from 5% up to 45%. Those discounts provide an incentive for new flood protection
activities that can help save lives and property in the event of a flood.”

West Hartford is one of the few municipalities in Connecticut that is rated in the NFIP’s Community Rating System. Because of the Town’s ongoing efforts towards floodplain management, West Hartford’s property and business flood insurance policy holders enjoy a 10% discount on flood insurance premiums. This webpage is intended to provide information flood hazard areas; on the NFIP; protecting property from flooding; and additional resources.

Flood Hazard Area’s In West Hartford


The Federal Emergency Management Agency (FEMA) determines flood zone boundaries which are identified on FEMA's Flood Insurance Rate Maps (FIRM). To find out if a specific property is located within a flood hazard area and what that means, please visit FEMA's Flood Map Service website and by visiting the Town's Geographic Information System (GIS) website.  Once there, select "Flood Zone" from the "Theme" dropdown button on the upper right side of the map.

If your property is in a Special Flood Hazard Area (SFHA), which is defined as any zone A or V on the flood maps, the purchase of flood insurance is mandatory for all federal or federally related financial assistance and for the acquisition and/or construction of buildings and development activity, which is also subject to review under Section 177-8 of the West Hartford Zoning Ordinances.

Insuring Your Property


“The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically.”

If you do not have flood insurance, please talk to your insurance agent. Homeowner’s insurance policies do not cover damage from floods. It is important to note that the Town of West Hartford participates in the National Flood Insurance Program, Community Rating System (CRS) and flood insurance from the NFIP is available for any property in West Hartford in or outside of Special Flood Hazard Area, even those whose property has been previously flooded. In addition, the Town has been recognized for its flood protection efforts and achieved a CRS Level 8 rating, entitling flood insurance policy holders to enjoy a 10% discount on flood insurance premiums. For more information on understanding flood risks and flood insurance please visit https://www.floodsmart.gov/floodsmart/.

Protecting Yourself & Your Property


Flooding is the most common natural disaster in the United States and can happen anywhere. FEMA’s How to Prepare for a Flood, a hazard-specific guide, explains how to protect yourself and your property, and details the steps to take now so that you can act quickly when you, your home, or your business is in danger.

Additional information about what to do when you receive a flood watch or warning alert from the National Weather Service can be found here: https://www.ready.gov/floods and available from FEMA's brochure on Flood Preparation and Safety.

Additional Resources


Federal Emergency Management Agency
National Weather Service
Connecticut Department of Energy and Environmental Protection (DEEP)
Connecticut Association of Flood Managers

If you have additional questions regarding on flood zones, FEMA's FIRM, the NFIP, Section 177-8 or any of the information on this webpage, please contact the Town Planner, Todd Dumais, at todd.dumais@westhartfordct.gov or by phone at 860-561-7556.