Home Insurance in Groton Long Point, Connecticut
The median home value in Groton Long Point is $969,600, 200% higher than the Southeastern Connecticut Planning Region median.
The typical home in Groton Long Point was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 13 points above Southeastern Connecticut Planning Region's 38%.
The housing stock in Groton Long Point is 100% single-family homes.
About 48% of owner-occupied homes in Groton Long Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 56%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Groton Long Point are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Groton Long Point - 57% - are primarily heated with fuel oil.
Southeastern Connecticut Planning Region had 2,918 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Southeastern Connecticut Planning Region home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $969,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Southeastern Connecticut Planning Region | 2,918 |
| 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)