Home Insurance in Orleans, Vermont
With a median home value of $156,300, Orleans is 30% lower than the Orleans County median.
The median home in Orleans was built in 1939 or earlier. About 69% of homes were built before 1960, about 38 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.
The housing stock in Orleans is 63% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Orleans, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Orleans has an owner-occupancy rate of 64% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
64% of homes in Orleans 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.
FEMA rates Orleans County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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 | $156,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)