Home Insurance in Western Connecticut Planning Region, Connecticut
With a median home value of $652,900, Western Connecticut Planning Region is 78% higher than the Connecticut median.
The typical home in Western Connecticut Planning Region was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 6 points below Connecticut's 41%.
Housing in Western Connecticut Planning Region breaks down to 65% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Western Connecticut Planning Region, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Western Connecticut Planning Region 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. In Western Connecticut Planning Region, 36% of homes are primarily heated with fuel oil.
The top hazards for Western Connecticut Planning Region, per FEMA's National Risk Index, are inland flooding (Relatively High), strong wind (Relatively High) and hurricane (Relatively High).
As of September 2026, Western Connecticut Planning Region has 8,573 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 | $652,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Strong Wind (Relatively High), Hurricane (Relatively High) |
| Active NFIP flood policies (county) | 8,573 |
| 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)