Home Insurance in Danielson, Connecticut
Homes in Danielson carry a median value of $224,600 - 27% lower than the Northeastern Connecticut Planning Region median.
The typical home in Danielson was built around 1951. About 66% of homes were built before 1960, about 31 points above Northeastern Connecticut Planning Region's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Danielson breaks down to 52% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
79% of owner-occupied homes in Danielson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 53% of occupied homes in Danielson are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Danielson are primarily heated with fuel oil.
Northeastern Connecticut Planning Region had 101 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Northeastern Connecticut 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 | $224,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Northeastern Connecticut Planning Region | 101 |
| 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)