Home Insurance in Caledonia County, Vermont
With a median home value of $227,900, Caledonia County is 28% lower than the Vermont median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Caledonia County was built around 1973. About 40% of homes were built before 1960, about 7 points above Vermont's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Caledonia County is 76% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Caledonia County, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Caledonia County are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
47% of homes in Caledonia County 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.
The top hazards for Caledonia County, per FEMA's National Risk Index, are hurricane (Relatively Low), winter weather (Relatively Moderate) and inland flooding (Relatively Low).
As of September 2026, Caledonia County has 112 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Vermont carries a statewide average premium of $1,215 per year.
Key figures
| Median home value | $227,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Winter Weather (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 112 |
| Home insurance premium | $1,215 - 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)