Home Insurance in Bridgeport, Connecticut
Homes in Bridgeport carry a median value of $274,900 - 36% lower than the Greater Bridgeport Planning Region median.
The typical home in Bridgeport was built around 1955. About 56% of homes were built before 1960, about 5 points above Greater Bridgeport Planning Region's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Bridgeport is 37% single-family homes and 28% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
59% of owner-occupied homes in Bridgeport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Bridgeport are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Bridgeport - 60% - are primarily heated with natural gas.
Greater Bridgeport Planning Region's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Greater Bridgeport Planning Region had 5,436 active NFIP flood policies as of September 2026. See the full Greater Bridgeport Planning Region home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $274,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Greater Bridgeport Planning Region | 5,436 |
| 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)