Home Insurance in Aroostook County, Maine
Homes in Aroostook County carry a median value of $149,700 - 50% lower than the Maine median.
The typical home in Aroostook County was built around 1972. About 38% of homes were built before 1960, about 4 points above Maine's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Aroostook County is 74% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 49% of owner-occupied homes in Aroostook County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Aroostook County are owner-occupied.
Most homes in Aroostook County - 68% - are primarily heated with fuel oil. 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.
FEMA's National Risk Index lists winter weather (Very High), hurricane (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Aroostook County. 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, Aroostook County has 104 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 | $149,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Hurricane (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 104 |
| 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)