Home Insurance in Newbury, Vermont
The median home value in Newbury is $275,900, close to the Orange County median.
The median home in Newbury was built in 1939 or earlier. About 60% of homes were built before 1960, about 27 points above Orange County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Newbury, the housing stock is 70% single-family homes, 9% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Newbury, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Newbury are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Newbury - 56% - 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.
Orange County had 134 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Orange County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $275,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Orange County | 134 |
| 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)