Home Insurance in Franklin County, Vermont
The median home value in Franklin County is $306,700, close to the Vermont median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Franklin County was built around 1979. About 32% of homes were built before 1960, in line with Vermont (33%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Franklin County is 78% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 66% of owner-occupied homes in Franklin County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Franklin County has an owner-occupancy rate of 77% and a vacancy rate of 13%; 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. 31% of homes in Franklin County are primarily heated with fuel oil.
The top hazards for Franklin County, per FEMA's National Risk Index, are earthquake (Relatively Low), winter weather (Relatively Low) and hurricane (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Franklin County has 145 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Vermont is $1,215 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $306,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively Low), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 145 |
| 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)