Home Insurance in Auburn, Maine
The median home value in Auburn is $282,000, 12% higher than the Androscoggin County median.
The typical home in Auburn was built around 1954. About 57% of homes were built before 1960, about 16 points above Androscoggin County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Auburn is 56% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Auburn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Auburn has an owner-occupancy rate of 59% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 51% of homes in Auburn are primarily heated with fuel oil.
Androscoggin County had 196 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Androscoggin County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Maine carries a statewide average premium of $1,150 per year.
Key figures
| Median home value | $282,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Androscoggin County | 196 |
| Home insurance premium | $1,150 - 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)