Home Insurance in South Central Connecticut Planning Region, Connecticut
With a median home value of $353,100, South Central Connecticut Planning Region is close to the Connecticut median.
The typical home in South Central Connecticut Planning Region was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 5 points above Connecticut's 41%.
In South Central Connecticut Planning Region, the housing stock is 59% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in South Central Connecticut Planning Region carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in South Central Connecticut Planning Region are owner-occupied.
46% of homes in South Central Connecticut Planning Region are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for South Central Connecticut Planning Region, per FEMA's National Risk Index, are hurricane (Relatively High), inland flooding (Relatively High) and coastal flooding (Relatively High).
South Central Connecticut Planning Region had 7,527 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.
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 | $353,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Inland Flooding (Relatively High), Coastal Flooding (Relatively High) |
| Active NFIP flood policies (county) | 7,527 |
| 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)