Home Insurance in Naugatuck Valley Planning Region, Connecticut
With a median home value of $317,700, Naugatuck Valley Planning Region is 13% lower than the Connecticut median.
The typical home in Naugatuck Valley Planning Region was built around 1969. About 39% of homes were built before 1960, about 2 points below Connecticut's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Naugatuck Valley Planning Region, the housing stock is 67% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Naugatuck Valley Planning Region carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Naugatuck Valley Planning Region has an owner-occupancy rate of 69% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
42% of homes in Naugatuck Valley Planning Region are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Naugatuck Valley Planning Region, per FEMA's National Risk Index, are inland flooding (Relatively High), hurricane (Relatively High) and strong wind (Relatively High).
Naugatuck Valley Planning Region had 866 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.
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 | $317,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Hurricane (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 866 |
| 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)