Home Insurance in Capitol Planning Region, Connecticut
The median home value in Capitol Planning Region is $323,700, 12% lower than the Connecticut median.
The typical home in Capitol Planning Region was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, in line with Connecticut (41%).
Housing in Capitol Planning Region breaks down to 63% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Capitol Planning Region have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Capitol Planning Region are owner-occupied.
In Capitol Planning Region, 46% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Capitol Planning Region's top hazards are inland flooding (Relatively High), earthquake (Relatively Moderate) and hurricane (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Capitol Planning Region had 1,772 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Connecticut carries a statewide average premium of $2,036 per year.
Key figures
| Median home value | $323,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Earthquake (Relatively Moderate), Hurricane (Relatively High) |
| Active NFIP flood policies (county) | 1,772 |
| Home insurance premium | $2,036 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)