Home Insurance in Stamford, Connecticut
The median home value in Stamford is $624,400, close to the Western Connecticut Planning Region median.
The typical home in Stamford was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 2 points below Western Connecticut Planning Region's 35%.
The housing stock in Stamford is 42% single-family homes and 44% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Stamford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Stamford 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 Stamford, 41% of homes are primarily heated with natural gas.
Western Connecticut Planning Region's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. 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.
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 | $624,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)