Home Insurance in Norwalk, Connecticut
Homes in Norwalk carry a median value of $558,000 - 15% lower than the Western Connecticut Planning Region median.
The typical home in Norwalk was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 7 points above Western Connecticut Planning Region's 35%.
The housing stock in Norwalk is 52% single-family homes and 31% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 71% of owner-occupied homes in Norwalk have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Norwalk are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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 Norwalk, 38% of homes are primarily heated with natural gas.
FEMA rates Western Connecticut Planning Region's overall risk as Relatively High, led by inland flooding (Relatively High). Western Connecticut Planning Region had 8,573 active NFIP flood policies as of September 2026. See the full Western Connecticut Planning Region home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $558,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Western Connecticut Planning Region | 8,573 |
| 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)