Home Insurance in Rutland County, Vermont
The median home value in Rutland County is $229,400, 28% lower than the Vermont median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rutland County was built around 1969. About 41% of homes were built before 1960, about 8 points above Vermont's 33%.
In Rutland County, the housing stock is 70% single-family homes, 11% apartments in buildings with 5+ units and 6% 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.
In Rutland County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rutland County has an owner-occupancy rate of 75% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Rutland County - 60% - 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.
Per FEMA's National Risk Index, Rutland County's top hazards are hurricane (Relatively Low), inland flooding (Relatively Low) and winter weather (Relatively Moderate).
Rutland County had 281 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $229,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Inland Flooding (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 281 |
| Home insurance premium | $1,215 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)