Home Insurance in South Burlington, Vermont
With a median home value of $443,400, South Burlington is close to the Chittenden County median.
The typical home in South Burlington was built around 1989. About 11% of homes were built before 1960, about 15 points below Chittenden County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in South Burlington is 58% single-family homes and 32% apartments in buildings with 5+ units.
67% of owner-occupied homes in South Burlington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in South Burlington are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in South Burlington - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near South Burlington? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Chittenden County and Chittenden County had 344 active NFIP flood policies as of September 2026. See the full Chittenden 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 | $443,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Chittenden County | 344 |
| 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)