Home Insurance in Southeastern Connecticut Planning Region, Connecticut
With a median home value of $323,400, Southeastern Connecticut Planning Region is 12% lower than the Connecticut median.
The typical home in Southeastern Connecticut Planning Region was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 2 points below Connecticut's 41%.
The housing stock in Southeastern Connecticut Planning Region is 67% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Southeastern Connecticut Planning Region, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Southeastern Connecticut Planning Region has an owner-occupancy rate of 65% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Southeastern Connecticut Planning Region, 49% 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.
The top hazards for Southeastern Connecticut Planning Region, per FEMA's National Risk Index, are hurricane (Relatively High), inland flooding (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Southeastern Connecticut Planning Region has 2,918 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Connecticut carries a statewide average premium of $2,036 per year.
Key figures
| Median home value | $323,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Inland Flooding (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 2,918 |
| 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)