Home Insurance in Jewett City, Connecticut
Homes in Jewett City carry a median value of $196,900 - 39% lower than the Southeastern Connecticut Planning Region median.
The typical home in Jewett City was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 11 points above Southeastern Connecticut Planning Region's 38%.
In Jewett City, the housing stock is 41% single-family homes and 42% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
88% of owner-occupied homes in Jewett City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 35% of occupied homes in Jewett City are owner-occupied.
Most homes in Jewett City - 57% - are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Southeastern Connecticut Planning Region's overall risk as Relatively Moderate, led by hurricane (Relatively High). Southeastern Connecticut Planning Region had 2,918 active NFIP flood policies as of September 2026. See the full Southeastern 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 | $196,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 88% |
| 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)