Home Insurance in Northwest Hills Planning Region, Connecticut
The median home value in Northwest Hills Planning Region is $335,600, 9% lower than the Connecticut median.
The typical home in Northwest Hills Planning Region was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 3 points above Connecticut's 41%.
Housing in Northwest Hills Planning Region breaks down to 79% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Northwest Hills Planning Region, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Northwest Hills Planning Region are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Northwest Hills Planning Region, 53% of homes 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.
Per FEMA's National Risk Index, Northwest Hills Planning Region's top hazards are inland flooding (Relatively Moderate), hurricane (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Northwest Hills Planning Region has 538 active NFIP flood policies on file.
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 | $335,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 538 |
| 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)