Home Insurance in Westbrook, Maine
With a median home value of $383,300, Westbrook is 15% lower than the Cumberland County median.
The typical home in Westbrook was built around 1975. About 37% of homes were built before 1960, about 1 point above Cumberland County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Westbrook, the housing stock is 49% single-family homes, 21% apartments in buildings with 5+ units and 7% 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 Westbrook, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Westbrook are owner-occupied.
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 Westbrook, 49% of homes are primarily heated with fuel oil.
What's the biggest home insurance risk near Westbrook? FEMA's National Risk Index points to winter weather (Very High) in Cumberland County and Cumberland County had 1,551 active NFIP flood policies as of September 2026. See the full Cumberland County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $383,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Cumberland County | 1,551 |
| 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)