Home Insurance in Alburgh, Vermont
The median home value in Alburgh is $189,900, 52% lower than the Grand Isle County median.
The typical home in Alburgh was built around 1983. About 38% of homes were built before 1960, about 12 points above Grand Isle County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Alburgh, the housing stock is 69% single-family homes, 3% apartments in buildings with 5+ units and 14% 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.
59% of owner-occupied homes in Alburgh carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Alburgh are owner-occupied. The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Alburgh - 66% - 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.
What's the biggest home insurance risk near Alburgh? FEMA's National Risk Index points to hurricane (Very Low) in Grand Isle County and Grand Isle County had 84 active NFIP flood policies as of September 2026. See the full Grand Isle 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 | $189,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Grand Isle County | 84 |
| 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)