Home Insurance in Winooski, Vermont
Homes in Winooski carry a median value of $381,500 - 13% lower than the Chittenden County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Winooski was built around 1974. About 42% of homes were built before 1960, about 17 points above Chittenden County's 26%.
Housing in Winooski breaks down to 30% single-family homes and 40% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
72% of owner-occupied homes in Winooski carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 35% of occupied homes in Winooski are owner-occupied.
60% of homes in Winooski are primarily heated with natural gas.
What's the biggest home insurance risk near Winooski? 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 | $381,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)