Home Insurance in Hyde Park, Vermont
Homes in Hyde Park carry a median value of $221,800 - 27% lower than the Lamoille County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hyde Park was built around 1964. About 44% of homes were built before 1960, about 20 points above Lamoille County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hyde Park is 70% single-family homes and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 74% of owner-occupied homes in Hyde Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hyde Park has an owner-occupancy rate of 80% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hyde Park, 67% of homes are primarily heated with fuel oil.
FEMA rates Lamoille County's overall risk as Very Low, led by winter weather (Relatively Moderate). Lamoille County had 138 active NFIP flood policies as of September 2026. See the full Lamoille County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Vermont carries a statewide average premium of $1,215 per year.
Key figures
| Median home value | $221,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Lamoille County | 138 |
| 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)