Home Insurance in Bellows Falls, Vermont
With a median home value of $195,600, Bellows Falls is 30% lower than the Windham County median.
The median home in Bellows Falls was built in 1939 or earlier. About 80% of homes were built before 1960, about 47 points above Windham County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Bellows Falls, the housing stock is 49% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Bellows Falls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Bellows Falls are owner-occupied.
Most homes in Bellows Falls - 76% - are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Windham County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Windham County had 378 active NFIP flood policies as of September 2026. See the full Windham 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 | $195,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Windham County | 378 |
| 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)