Home Insurance in Oxford County, Maine
Homes in Oxford County carry a median value of $217,300 - 27% lower than the Maine median.
The typical home in Oxford County was built around 1977. 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, in line with Maine (34%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oxford County is 77% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
52% of owner-occupied homes in Oxford County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Oxford 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. 58% of homes in Oxford County are primarily heated with fuel oil.
The top hazards for Oxford County, per FEMA's National Risk Index, are winter weather (Relatively High), hurricane (Relatively Moderate) and inland flooding (Relatively Moderate).
As of September 2026, Oxford County has 275 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Maine is $1,150 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $217,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 275 |
| Home insurance premium | $1,150 - statewide average (NAIC, 2023 data) |
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)