康乃狄克州透过保险部门网站推出一个公开的气候风险地图工具，使用的是保险公司用于费率的那类私人风险建模公司。州官员表示，2024年8月康乃狄克州西部的洪灾造成3人死亡、数千处房产被毁或受损，显示出已绘制风险与实际生活经验之间存在落差。代理保险专员 Josh Hershman 表示，该入口仅供资讯参考，不会改变保险要求或分区规则。
FEMA 表示，平均而言，National Flood Insurance Program 的洪水保险理赔中有 40% 发生在 FEMA 严重风险区之外；文章称实际洪灾可能更高，因为该数字不包含没有洪水保险的人。康乃狄克州与 First Street Technologies Inc. 合作，该公司以 1 到 10 的量表评级风险；First Street 表示其模型识别出约 81,000 处比 FEMA 地图所示更多、面临严重洪水风险的房产。一篇刊登于 Journal of Catastrophe Risk and Resilience 的论文，将七种广泛使用的私人洪水模型与 NFIP 理赔资料比对，并指出 Verisk、KatRisk 与 Moody’s R.M.S. 与实际 NFIP 理赔的差异在 4% 以内，而 First Street 回报的损害估计几乎高出两倍。
文章称，美国有保险承保的自然灾害损失如今经常超过 $100 billion；康乃狄克州表示，它是第一个提供 First Street 模型「pro」版本的州，包含街道层级细节与预估财务损失。自 2026年7月1日 起，Public Act 25-33 将要求卖方与房东披露洪水风险细节，包括 FEMA 分区、洪水历史与高程证书。Laura Lageman 表示，她位于 Woodbury、建于 1835 的农舍在 FEMA 高风险区之外却收到 9-out-of-10 的洪水标示，且已出售数月；另一起在纽约的独立诉讼因 9-out-of-10 标示求偿 $500,000；First Street 与 Zillow 已请求驳回，正等待法官裁定。
Connecticut launched a public climate-risk mapping tool through the insurance department’s website, using a private risk-modeling firm of the type insurers use for rates. State officials said the August 2024 flooding in western Connecticut, where three people died and thousands of properties were destroyed or damaged, showed a gap between mapped risk and lived experience. Interim Insurance Commissioner Josh Hershman said the portal is informational only and does not change insurance requirements or zoning rules.
FEMA says that, on average, 40% of National Flood Insurance Program flood insurance claims are outside FEMA severe-risk zones, and the article says actual flooding is likely higher because that figure excludes people without flood insurance. Connecticut partnered with First Street Technologies Inc., which rates risk on a scale of 1 to 10, and First Street said its model identifies about 81,000 more properties facing severe flood risk than FEMA maps. A Journal of Catastrophe Risk and Resilience paper analyzed seven widely used private flood models against NFIP claims data and reported that Verisk, KatRisk, and Moody’s R.M.S. were within a 4% differential of actual NFIP claims, while First Street reported damage estimates nearly twice as high.
The article says insured US natural-catastrophe damages now routinely exceed $100 billion, and Connecticut says it is the first state to provide a “pro” version of the First Street model with street-level details and projected financial losses. Beginning July 1, 2026, Public Act 25-33 will require sellers and landlords to disclose flood-risk details, including FEMA zones, flood history, and elevation certificates. Laura Lageman said her 1835 farmhouse in Woodbury received a 9-out-of-10 flood designation outside FEMA high-risk zones and has been for sale for months, and a separate lawsuit in New York seeks $500,000 over a 9-out-of-10 listing; First Street and Zillow asked for dismissal and are awaiting a judge’s ruling.