CT SB01245

Insurance producers and surplus lines brokers must disclose flood insurance availability to personal risk insurance applicants effective July 1, 2026, and obtain written acknowledgment of receipt; insurance policies must include a notice stating flood coverage is not provided

Home sellers must provide flood disclosure notices to purchasers starting July 1, 2026, detailing FEMA floodplain location, flood insurance requirements, prior flood damage claims, and any federal/state disaster assistance received for the property

State funds cannot be used to subsidize new residential construction or expansions in floodways, coastal high hazard areas (VE, V, Coastal AE zones), LiMWA areas, or repetitive-loss properties for projects not begun by December 1, 2025

Municipal plans of conservation and development adopted after October 1, 2026 must include climate change vulnerability assessments addressing flooding, sea level rise, extreme heat, drought, and wildfire, with strategies to reduce identified risks

Municipalities may establish "resiliency improvement districts" using tax increment financing for up to 50 years to fund climate adaptation projects including flood mitigation, extreme heat reduction, living shorelines, and infrastructure resilience improvements