Home Insurance in Norwich, Connecticut
With a median home value of $242,300, Norwich is 25% lower than the Southeastern Connecticut Planning Region median.
The typical home in Norwich was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 15 points above Southeastern Connecticut Planning Region's 38%.
The housing stock in Norwich is 50% single-family homes, 23% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in Norwich carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Norwich are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Norwich, 37% of homes are primarily heated with natural gas.
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.
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 | $242,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)