Home Insurance in Windsor County, Vermont
Homes in Windsor County carry a median value of $296,400 - 6% 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 Windsor County was built around 1973. About 37% of homes were built before 1960, about 4 points above Vermont's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Windsor County is 74% single-family homes, 10% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Windsor County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Windsor County are owner-occupied.
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. In Windsor County, 46% of homes are primarily heated with fuel oil.
The top hazards for Windsor County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), winter weather (Relatively Moderate) and hurricane (Relatively Low).
As of September 2026, Windsor County has 722 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $296,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 722 |
| 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)