Home Insurance in Torrington, Connecticut
The median home value in Torrington is $215,500, 36% lower than the Northwest Hills Planning Region median.
The typical home in Torrington was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 6 points above Northwest Hills Planning Region's 44%.
Housing in Torrington breaks down to 61% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Torrington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Torrington are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Torrington are primarily heated with fuel oil.
Northwest Hills Planning Region's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Northwest Hills Planning Region had 538 active NFIP flood policies as of September 2026. See the full Northwest Hills Planning Region home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $215,500 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Northwest Hills Planning Region | 538 |
| 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)