Governor’s Bill No. 1245 aims to enhance flood insurance awareness and resilience against climate change impacts in Connecticut. Effective July 1, 2026, the bill requires insurance producers and surplus lines brokers to inform applicants for personal risk insurance about flood insurance options, including those available through the National Flood Insurance Program. It mandates that insurance companies include a notice on personal risk insurance policies indicating the absence of flood coverage, and mortgage creditors must notify applicants about this lack of coverage. The bill also introduces a flood disclosure notice for prospective homebuyers and tenants, detailing flood risks associated with properties, and establishes penalties for non-compliance. Additionally, the bill modifies existing regulations regarding coastal site plan reviews and funding for residential construction in flood-prone areas, ensuring that new projects comply with FEMA regulations and consider updated sea level change scenarios.

The legislation further emphasizes sustainable development practices by requiring municipalities to adopt comprehensive plans that include climate change vulnerability assessments and promote diverse housing options. It introduces provisions for the establishment of resiliency improvement districts, allowing municipalities to manage risks associated with climate change and environmental hazards. The bill outlines the financial management of these districts, including the creation of a district master plan fund and the assessment of benefit assessments for public improvements. It also establishes advisory boards within these districts to guide planning and implementation, ensuring that infrastructure projects prioritize resilience and environmental justice. Overall, Governor’s Bill No. 1245 reflects a comprehensive approach to integrating climate change considerations into local governance, enhancing community resilience, and promoting informed decision-making regarding flood risks.

Statutes affected:
Governor's Bill: 20-327c, 7-364, 8-23, 28-5, 8-2e