Home Insurance in Androscoggin County, Maine
With a median home value of $252,800, Androscoggin County is 15% lower than the Maine median.
The typical home in Androscoggin County was built around 1969. About 41% of homes were built before 1960, about 7 points above Maine's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Androscoggin County is 59% single-family homes, 15% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Androscoggin County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Androscoggin County are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 59% of homes in Androscoggin County are primarily heated with fuel oil.
The top hazards for Androscoggin County, per FEMA's National Risk Index, are winter weather (Very High), hurricane (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Androscoggin County has 196 active NFIP flood policies on file.
In Maine, the statewide average premium for a standard HO-3 homeowners policy is $1,150 per year (NAIC, 2023 data).
Key figures
| Median home value | $252,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Hurricane (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 196 |
| Home insurance premium | $1,150 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)