Home Insurance in Derby Line, Vermont
With a median home value of $201,000, Derby Line is 10% lower than the Orleans County median.
The typical home in Derby Line was built around 1956. About 56% of homes were built before 1960, about 25 points above Orleans County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Derby Line breaks down to 86% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
57% of owner-occupied homes in Derby Line carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Derby Line are owner-occupied.
Most homes in Derby Line - 58% - 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 Derby Line? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Orleans County and Orleans County had 57 active NFIP flood policies as of September 2026. See the full Orleans 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 | $201,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Orleans County | 57 |
| 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)