Home Insurance in Windham County, Vermont
With a median home value of $279,600, Windham County is 12% lower than the Vermont median.
The typical home in Windham County was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, in line with Vermont (33%).
In Windham County, the housing stock is 75% single-family homes, 9% apartments in buildings with 5+ units and 5% 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 59% of owner-occupied homes in Windham County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Windham County has an owner-occupancy rate of 74% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Most homes in Windham County - 52% - 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, Windham County's top hazards are hurricane (Relatively Low), inland flooding (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Windham County has 378 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Vermont is $1,215 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $279,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Inland Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 378 |
| 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)