Home Insurance in New Britain, Connecticut
Homes in New Britain carry a median value of $223,600 - 31% lower than the Capitol Planning Region median.
The typical home in New Britain was built around 1956. About 58% of homes were built before 1960, about 17 points above Capitol Planning Region's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in New Britain breaks down to 37% single-family homes and 27% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in New Britain carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 45% of occupied homes in New Britain are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in New Britain - 65% - 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.
FEMA rates Capitol Planning Region's overall risk as Relatively High, led by inland flooding (Relatively High). Capitol Planning Region had 1,772 active NFIP flood policies as of September 2026. See the full Capitol Planning Region home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $223,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Capitol Planning Region | 1,772 |
| Home insurance premium | $2,036 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)