Home Insurance in Orleans County, Vermont
With a median home value of $223,400, Orleans County is 29% lower than the Vermont median.
The typical home in Orleans County was built around 1978. About 31% of homes were built before 1960, about 2 points below Vermont's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Orleans County is 78% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Orleans County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Orleans County are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Orleans County - 52% - 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 Orleans County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), hurricane (Relatively Low) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Orleans County has 57 active NFIP flood policies on file.
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 | $223,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hurricane (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 57 |
| Home insurance premium | $1,215 - statewide average (NAIC, 2023 data) |
Towns and cities
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)