Home Insurance in Swanton, Vermont
With a median home value of $229,000, Swanton is 25% lower than the Franklin County median.
The typical home in Swanton was built around 1952. About 63% of homes were built before 1960, about 31 points above Franklin County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Swanton, the housing stock is 69% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Swanton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Swanton are owner-occupied.
Most homes in Swanton - 70% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Swanton? FEMA's National Risk Index points to earthquake (Relatively Low) in Franklin County and Franklin County had 145 active NFIP flood policies as of September 2026. See the full Franklin County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $229,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Franklin County | 145 |
| 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)