Home Insurance in Orange County, Vermont
The median home value in Orange County is $271,300, 14% lower than the Vermont median.
The typical home in Orange County was built around 1978. About 33% of homes were built before 1960, in line with Vermont (33%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Orange County is 82% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Orange County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Orange County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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. 39% of homes in Orange County are primarily heated with fuel oil.
Per FEMA's National Risk Index, Orange County's top hazards are hurricane (Relatively Low), winter weather (Relatively Low) and inland flooding (Relatively Low).
Orange County had 134 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $271,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Winter Weather (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 134 |
| 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)