Home Insurance in Bath, Maine
With a median home value of $310,900, Bath is 7% lower than the Sagadahoc County median.
The median home in Bath was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 66% of homes were built before 1960, about 30 points above Sagadahoc County's 36%.
Housing in Bath breaks down to 63% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
68% of owner-occupied homes in Bath carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Bath are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bath, 47% of homes 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 rates Sagadahoc County's overall risk as Very Low, led by winter weather (Relatively Moderate). Sagadahoc County had 175 active NFIP flood policies as of September 2026. See the full Sagadahoc 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 | $310,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Sagadahoc County | 175 |
| 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)