Home Insurance in Fenwick, Connecticut
Fenwick's median home value is $2,000,000+.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Fenwick was built in 1939 or earlier. About 60% of homes were built before 1960, about 25 points above Lower Connecticut River Valley Planning Region's 35%.
In Fenwick, the housing stock is 100% single-family homes.
In Fenwick, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 69%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Fenwick are owner-occupied.
In Fenwick, 55% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Fenwick? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Lower Connecticut River Valley Planning Region and Lower Connecticut River Valley Planning Region had 2,943 active NFIP flood policies as of September 2026. See the full Lower Connecticut River Valley 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 | $2,000,000+ |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lower Connecticut River Valley Planning Region | 2,943 |
| 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)