Home Insurance in Northeastern Connecticut Planning Region, Connecticut
Homes in Northeastern Connecticut Planning Region carry a median value of $307,600 - 16% lower than the Connecticut median.
The typical home in Northeastern Connecticut Planning Region was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 6 points below Connecticut's 41%.
Housing in Northeastern Connecticut Planning Region breaks down to 78% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in Northeastern Connecticut Planning Region carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Northeastern Connecticut Planning Region has an owner-occupancy rate of 77% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Northeastern Connecticut Planning Region are primarily heated with fuel oil.
FEMA's National Risk Index lists hurricane (Relatively Moderate), inland flooding (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Northeastern Connecticut Planning Region. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Northeastern Connecticut Planning Region had 101 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.
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 | $307,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 101 |
| 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)