Home Insurance in Bristol, Connecticut
With a median home value of $277,800, Bristol is 13% lower than the Naugatuck Valley Planning Region median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bristol was built around 1967. About 39% of homes were built before 1960, in line with Naugatuck Valley Planning Region (39%).
In Bristol, the housing stock is 60% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Bristol, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bristol has an owner-occupancy rate of 65% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 40% of homes in Bristol are primarily heated with fuel oil.
Naugatuck Valley Planning Region had 866 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). See the full Naugatuck Valley Planning Region home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Connecticut, the statewide average premium for a standard HO-3 homeowners policy is $2,036 per year (NAIC, 2023 data).
Key figures
| Median home value | $277,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Naugatuck Valley Planning Region | 866 |
| 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)