Insurance in Milford, CT
Insurance in Milford, CT
Milford has some of the most storm-tested shoreline in Connecticut. From the Green to Walnut Beach, we help Milford owners match their coverage to what the Sound can do.
Walnut Beach, Point Beach and Bayview: what Irene and Sandy left behind
Milford’s 2016 Coastal Resilience Plan lists where flooding from Irene and Sandy was worst: Milford Point, Wildemere Beach, Walnut Beach, Silver Beach, Melba Street and Point Beach. The National Weather Service recorded soundfront homes completely destroyed in Milford Lawn, Morningside, Walnut Beach and Silver Beach. In 2014, the mayor put the number of Milford properties affected by Sandy at about 2,000.
Much of Point Beach is in FEMA’s Zone AE, the 1% annual-chance floodplain. Even without a hurricane, Field Court and Bayview Beach have flooded on big October tides. If you’re buying near the water, ask us for a flood quote before you sign the purchase agreement, not after the lender asks for one.
Elevated homes, rebuilt homes, and what they cost to insure
After Sandy, homes that were substantially damaged had to be raised or rebuilt to FEMA standards, and a lot of Milford houses were elevated. An elevation certificate showing the lowest floor above base flood elevation can make a real difference in a flood premium. If you have one, send it to us. If you don’t, we’ll tell you whether it’s worth ordering.
From the Milford Green to our door
Starting at Milford City Hall, it’s about 3.9 miles to our office by way of Route 15 over the Housatonic. That’s around 7 minutes when the parkway is moving.
Route estimate: OpenStreetMap / OSRM
Milford questions we hear
Silver Sands State Park exists because of a hurricane?
Partly, yes. The state says it acquired the parkland after Hurricane Diane destroyed 75 homes along that stretch in 1955. It’s a useful reminder of how far a storm can reach behind the beach.
I keep a boat in Milford Harbor. Does my homeowners policy cover it?
Usually not, or only for a small amount on a small boat. A separate boat policy covers the hull, liability on the water, and towing. Ask us about storm haul-out and named-storm deductibles too.
Do I need flood insurance in Woodmont or Devon if I’m not on the beach?
It depends on the street. Sandy pushed water up the Housatonic and into low spots well north of I-95. We can check your address against the FEMA map and quote it either way.
Coverage Milford clients ask about
- Flood · Flood for beach neighborhoods and along the Housatonic and Wepawaug
- Boat · Boat for Milford Harbor and trailered boats
- Homeowners · Homeowners for raised and rebuilt shoreline houses
- Condo · Condo for downtown units near the Green
Homeowners · Auto · Renters · Condo · Landlord · Flood · Boat · Motorcycle · Umbrella · Business
Talk to an agent about your Milford policy
ASK Insurance
88 Ryders Lane, Suite 210
Stratford, CT 06614
860-613-5929
ask@askinsurancect.com
South Hadley, MA: by appointment.
Nearby town pages