Home Insurance in Montpelier, Vermont
With a median home value of $375,100, Montpelier is 19% higher than the Washington County median.
The typical home in Montpelier was built around 1955. About 56% of homes were built before 1960, about 20 points above Washington County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Montpelier is 53% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 67% of owner-occupied homes in Montpelier have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Montpelier are owner-occupied.
45% of homes in Montpelier 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 Washington County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Washington County had 827 active NFIP flood policies as of September 2026. See the full Washington 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 | $375,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Washington County | 827 |
| 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)