Home Insurance in Stonington, Connecticut
With a median home value of $879,800, Stonington is 172% higher than the Southeastern Connecticut Planning Region median.
The median home in Stonington was built in 1939 or earlier. About 81% of homes were built before 1960, about 43 points above Southeastern Connecticut Planning Region's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Stonington, the housing stock is 48% single-family homes and 19% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Stonington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stonington has an owner-occupancy rate of 62% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Stonington - 60% - 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.
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 | $879,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)