Home Insurance in Saxtons River, Vermont
With a median home value of $183,700, Saxtons River is 34% lower than the Windham County median.
The median home in Saxtons River was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 81% of homes were built before 1960, about 47 points above Windham County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Saxtons River is 75% single-family homes and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Saxtons River, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Saxtons River has an owner-occupancy rate of 40% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Saxtons River are primarily heated with fuel oil.
What's the biggest home insurance risk near Saxtons River? FEMA's National Risk Index points to hurricane (Relatively Low) in Windham County and 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.
In Vermont, the statewide average premium for a standard HO-3 homeowners policy is $1,215 per year (NAIC, 2023 data).
Key figures
| Median home value | $183,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)