Home Insurance in Grand Isle County, Vermont
The median home value in Grand Isle County is $394,100, 24% higher than the Vermont median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Grand Isle County was built around 1984. About 26% of homes were built before 1960, about 7 points below Vermont's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grand Isle County is 82% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Grand Isle County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Grand Isle County are owner-occupied.
45% of homes in Grand Isle County are primarily heated with fuel oil. 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.
The top hazards for Grand Isle County, per FEMA's National Risk Index, are hurricane (Very Low), earthquake (Very Low) and winter weather (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Grand Isle County has 84 active NFIP flood policies on file.
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 | $394,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Earthquake (Very Low), Winter Weather (Very Low) |
| Active NFIP flood policies (county) | 84 |
| 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)