Home Insurance in Woodmont, Connecticut
With a median home value of $467,900, Woodmont is 33% higher than the South Central Connecticut Planning Region median.
The median home in Woodmont was built in 1939 or earlier. About 66% of homes were built before 1960, about 20 points above South Central Connecticut Planning Region's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Woodmont is 81% single-family homes and 14% apartments in buildings with 5+ units.
About 53% of owner-occupied homes in Woodmont have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Woodmont are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Woodmont - 78% - 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.
South Central Connecticut Planning Region's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. South Central Connecticut Planning Region had 7,527 active NFIP flood policies as of September 2026. See the full South Central Connecticut Planning Region home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $467,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in South Central Connecticut Planning Region | 7,527 |
| 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)