Home Insurance in West Burke, Vermont
Homes in West Burke carry a median value of $275,000 - 21% higher than the Caledonia County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in West Burke was built in 1939 or earlier. About 89% of homes were built before 1960, about 49 points above Caledonia County's 40%.
The housing stock in West Burke is 71% single-family homes, 22% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in West Burke carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
West Burke has an owner-occupancy rate of 61% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
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. In West Burke, 37% of homes are primarily heated with fuel oil.
FEMA rates Caledonia County's overall risk as Very Low, led by hurricane (Relatively Low). Caledonia County had 112 active NFIP flood policies as of September 2026. See the full Caledonia County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Vermont, the statewide average premium for a standard HO-3 homeowners policy is $1,215 per year (NAIC, 2023 data).
Key figures
| Median home value | $275,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Caledonia County | 112 |
| Home insurance premium | $1,215 - 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)