Home Insurance in Greater Bridgeport Planning Region, Connecticut
Homes in Greater Bridgeport Planning Region carry a median value of $428,800 - 17% higher than the Connecticut median.
The typical home in Greater Bridgeport Planning Region was built around 1959. About 51% of homes were built before 1960, about 11 points above Connecticut's 41%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Greater Bridgeport Planning Region breaks down to 62% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Greater Bridgeport Planning Region have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Greater Bridgeport Planning Region are owner-occupied.
Most homes in Greater Bridgeport Planning Region - 57% - 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's National Risk Index lists strong wind (Relatively High), hurricane (Relatively High) and coastal flooding (Very High) as the leading hazards for Greater Bridgeport Planning Region.
As of September 2026, Greater Bridgeport Planning Region has 5,436 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Connecticut is $2,036 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $428,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hurricane (Relatively High), Coastal Flooding (Very High) |
| Active NFIP flood policies (county) | 5,436 |
| Home insurance premium | $2,036 - statewide average (NAIC, 2023 data) |
Towns and cities
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)