Home Insurance in North Troy, Vermont
Homes in North Troy carry a median value of $121,100 - 46% lower than the Orleans County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in North Troy was built around 1957. About 52% of homes were built before 1960, about 21 points above Orleans County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in North Troy is 58% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 78% of owner-occupied homes in North Troy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
North Troy has an owner-occupancy rate of 64% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in North Troy - 66% - 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 North Troy? 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.
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 | $121,100 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)