Home Insurance in Newport, Vermont
With a median home value of $179,400, Newport is 20% lower than the Orleans County median.
The typical home in Newport was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 13 points above Orleans County's 31%.
In Newport, the housing stock is 60% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Newport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Newport has an owner-occupancy rate of 58% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
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. In Newport, 62% of homes are primarily heated with fuel oil.
Orleans County had 57 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Orleans 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 | $179,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)