Vermont Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 241 ZIP codes in Vermont (VT).

Homeowners in Vermont pay an average of $1,309 per year for home insurance — 26% below the national average of $1,776. That ranks Vermont as the 39th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums fell by 1.9%; nonrenewal rates declined by 43.3% over the same period.

On five-year premium growth (2018–2022), Vermont ranks 48th out of 51 states. Its nonrenewal rate (0.90%) ranks 29th out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$1,309/yr

National avg: $1,776 (-26% below)

Premium Change

-1.9%

2018-2022 change

Avg Loss Ratio

32.4%

Claims paid vs premiums earned

Nonrenewal Rate

0.90%

-43.3% change

Data Snapshot: Vermont Homeowners Insurance

Vermont homeowners paid an average of $1,309 per year for home insurance based on U.S. Treasury FIO data covering 241 ZIP codes across the state. That is 26% below the national average of $1,776 per year reported by the Federal Insurance Office. Vermont ranks 39th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $847 in 05404 to $3,055 in 05071.

Between 2018 and 2022, average premiums fell by 1.9% in Vermont, placing the state 48th nationally on five-year premium growth. The state-level loss ratio averaged 32.4%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 0.90%, a decline of 43.3% over the study period (ranking 29th out of 50 states).

Within Vermont, premium dispersion across ZIP codes is substantial: the most expensive ZIP (05071 in South Woodstock) charges 261% more than the least expensive (05404 in Winooski), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: Vermont

Vermont statewide — FIO 2018-2022 average: 32% (Insurer-favorable) — low claim payout — insurer retains a healthy margin.

ZIP Codes Tracked

241

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,335	$1,214	39.6%	3.66%	1.58%
2019	$1,333 (-0.1%)	$1,219	34.6%	3.56%	1.31%
2020	$1,340 (+0.5%)	$1,219	26.2%	2.66%	1.24%
2021	$1,317 (-1.7%)	$1,214	30.7%	2.60%	1.02%
2022	$1,309 (-0.6%)	$1,203	32.4%	2.63%	0.90%

Average Premium by Year

$1,335

2018

$1,333

2019

$1,340

2020

$1,317

2021

$1,309

2022

Most Expensive ZIP Codes in Vermont

South Londonderry, VT

Most Affordable ZIP Codes in Vermont

North Springfield, VT

All ZIP Codes in Vermont

241 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
05071	South Woodstock	$3,055	15.5%	5.31%	0.88%
05251	Dorset	$2,905	41.3%	3.17%	0.45%
05254	Manchester	$2,869	56.6%	10.67%	1.12%
05672	Stowe	$2,810	112.9%	5.00%	0.78%
05155	South Londonderry	$2,604	25.8%	4.58%	0.51%
05034	Bridgewater	$2,360	27.2%	3.50%	0.70%
05053	North Pomfret	$2,332	3.2%	2.94%	0.74%
05091	Woodstock	$2,326	21.2%	5.11%	1.09%
05340	Bondville	$2,237	48.0%	3.84%	0.58%
05031	Barnard	$2,188	3.1%	1.38%	0.35%
05253	East Dorset	$2,124	128.9%	5.15%	2.06%
05161	Weston	$2,098	17.5%	2.77%	0.31%
05751	Killington	$1,951	14.5%	3.71%	0.65%
05055	Norwich	$1,951	10.1%	3.09%	0.33%
05260	North Pownal	$1,937	113.3%	6.35%	1.59%
05445	Charlotte	$1,929	7.8%	3.86%	1.64%
05152	Peru	$1,923	7.6%	2.31%	0.77%
05360	West Wardsboro	$1,920	6.9%	1.83%	0.61%
05067	South Pomfret	$1,791	5.6%	1.92%	0.96%
05146	Grafton	$1,788	22.2%	3.38%	N/A
05148	Londonderry	$1,775	18.5%	2.79%	1.08%
05255	Manchester Center	$1,767	15.5%	3.81%	1.24%
05674	Warren	$1,756	27.6%	4.16%	1.17%
05149	Ludlow	$1,744	88.7%	3.99%	1.18%
05343	Jamaica	$1,709	25.1%	3.76%	0.40%
05776	West Rupert	$1,681	0.8%	2.13%	1.06%
05762	Pittsfield	$1,674	5.7%	2.71%	0.90%
05037	Brownsville	$1,638	97.8%	3.33%	1.25%
05062	Reading	$1,635	8.8%	2.21%	0.44%
05059	Quechee	$1,612	37.8%	4.23%	0.35%
05056	Plymouth	$1,611	57.5%	2.70%	0.27%
05841	Greensboro	$1,605	13.9%	1.58%	0.32%
05356	West Dover	$1,593	61.9%	3.39%	0.55%
05738	Cuttingsville	$1,590	108.8%	4.59%	0.98%
05482	Shelburne	$1,572	21.9%	2.55%	0.65%
05352	Stamford	$1,568	17.7%	1.67%	2.92%
05048	Hartland	$1,547	40.1%	3.87%	0.97%
05673	Waitsfield	$1,500	20.0%	4.01%	0.62%
05358	West Halifax	$1,500	17.1%	2.23%	0.89%
05761	Pawlet	$1,498	18.4%	2.56%	0.96%
05730	Belmont	$1,470	4.1%	1.30%	1.30%
05072	Strafford	$1,460	1.9%	0.58%	1.16%
05077	Tunbridge	$1,459	123.1%	2.54%	0.63%
05359	West Townshend	$1,438	8.3%	2.68%	0.33%
05456	Ferrisburgh	$1,437	20.2%	1.51%	1.01%
05739	Danby	$1,433	27.1%	4.11%	1.37%
05363	Wilmington	$1,428	18.0%	2.70%	0.88%
05767	Rochester	$1,418	36.6%	2.86%	N/A
05346	Putney	$1,410	12.3%	3.04%	0.94%
05341	East Dover	$1,408	5.7%	1.00%	N/A
05143	Chester	$1,406	36.6%	4.36%	1.14%
05262	Shaftsbury	$1,400	22.2%	5.15%	0.90%
05070	South Strafford	$1,392	24.6%	1.96%	0.65%
05345	Newfane	$1,390	21.2%	1.80%	0.82%
05737	Chittenden	$1,384	24.8%	4.10%	1.23%
05757	Middletown Springs	$1,369	27.9%	2.61%	1.74%
05250	Arlington	$1,369	46.4%	3.91%	1.00%
05153	Proctorsville	$1,368	11.2%	3.69%	0.92%
05035	Bridgewater Corners	$1,364	16.6%	4.79%	1.37%
05142	Cavendish	$1,359	33.7%	1.99%	1.00%
05486	South Hero	$1,357	25.7%	2.49%	0.50%
05660	Moretown	$1,357	11.0%	3.11%	0.98%
05766	Ripton	$1,357	20.4%	1.76%	1.76%
05075	Thetford Center	$1,356	33.0%	0.85%	1.13%
05773	Wallingford	$1,353	15.7%	2.84%	0.67%
05045	Fairlee	$1,351	11.9%	3.63%	1.13%
05065	Sharon	$1,348	42.0%	5.64%	1.88%
05742	East Wallingford	$1,346	28.3%	5.84%	N/A
05772	Stockbridge	$1,333	7.5%	1.97%	N/A
05342	Jacksonville	$1,331	190.7%	0.61%	1.23%
05353	Townshend	$1,330	13.2%	2.22%	0.56%
05648	Calais	$1,327	10.5%	3.08%	N/A
05301	Brattleboro	$1,321	16.1%	2.45%	0.82%
05083	West Fairlee	$1,315	222.0%	3.39%	1.13%
05758	Mount Holly	$1,314	50.0%	2.66%	0.44%
05261	Pownal	$1,303	32.2%	4.01%	1.05%
05158	Westminster	$1,300	3.9%	1.75%	0.66%
05907	Norton	$1,296	43.8%	5.95%	N/A
05354	Vernon	$1,287	30.3%	3.50%	0.97%
05832	East Burke	$1,284	26.1%	4.02%	0.45%
05036	Brookfield	$1,282	57.5%	2.44%	0.35%
05154	Saxtons River	$1,281	6.1%	1.20%	1.20%
05355	Wardsboro	$1,278	7.7%	2.10%	0.60%
05821	Barnet	$1,277	9.2%	1.24%	0.50%
05492	Waterville	$1,276	13.0%	3.24%	N/A
05775	West Pawlet	$1,271	4.7%	0.68%	1.36%
05827	Craftsbury Common	$1,268	5.1%	3.39%	N/A
05661	Morrisville	$1,268	16.4%	2.03%	0.49%
05089	Windsor	$1,264	28.8%	2.57%	1.34%
05862	Peacham	$1,263	1.1%	0.43%	0.85%
05753	Middlebury	$1,263	11.4%	0.90%	0.34%
05472	New Haven	$1,258	10.0%	2.54%	0.92%
05677	Waterbury Center	$1,245	35.2%	2.88%	0.32%
05257	North Bennington	$1,244	20.6%	3.85%	2.04%
05471	Montgomery Center	$1,239	28.6%	1.96%	1.12%
05101	Bellows Falls	$1,236	71.9%	2.37%	0.62%
05474	North Hero	$1,236	95.9%	1.93%	0.77%
05857	Newport Center	$1,233	34.1%	1.93%	1.10%
05068	South Royalton	$1,232	16.6%	2.74%	0.65%
05764	Poultney	$1,229	4.2%	2.09%	0.81%
05455	Fairfield	$1,227	5.7%	1.66%	0.33%
05826	Craftsbury	$1,227	0.5%	0.45%	0.45%
05046	Groton	$1,226	4.6%	0.94%	0.63%
05769	Salisbury	$1,225	9.2%	2.69%	1.08%
05039	Corinth	$1,225	4.7%	1.42%	0.35%
05043	East Thetford	$1,224	4.5%	2.50%	0.42%
05051	Newbury	$1,224	7.9%	1.65%	0.95%
05735	Castleton	$1,223	41.8%	2.84%	0.98%
05774	Wells	$1,222	4.4%	2.06%	0.37%
05491	Vergennes	$1,221	13.5%	2.27%	0.70%
05763	Pittsford	$1,220	17.4%	2.97%	0.28%
05651	East Montpelier	$1,220	20.6%	3.23%	0.75%
05362	Williamsville	$1,219	6.6%	0.91%	0.91%
05733	Brandon	$1,218	8.8%	1.44%	0.69%
05669	Roxbury	$1,213	8.5%	0.66%	1.32%
05458	Grand Isle	$1,213	18.3%	3.49%	0.79%
05743	Fair Haven	$1,209	12.4%	2.46%	0.89%
05734	Bridport	$1,207	7.3%	0.71%	0.71%
05060	Randolph	$1,207	16.4%	2.13%	0.51%
05040	East Corinth	$1,204	N/A	N/A	N/A
05701	Rutland	$1,203	37.5%	4.27%	0.99%
05058	Post Mills	$1,203	3.3%	1.05%	2.11%
05350	Readsboro	$1,202	118.7%	3.61%	2.17%
05361	Whitingham	$1,198	19.1%	2.20%	0.98%
05038	Chelsea	$1,195	6.4%	3.13%	0.31%
05650	East Calais	$1,191	0.3%	0.78%	0.39%
05061	Randolph Center	$1,188	7.3%	1.12%	0.74%
05905	Guildhall	$1,184	16.5%	2.41%	N/A
05828	Danville	$1,184	23.8%	3.72%	0.17%
05853	Morgan	$1,183	42.2%	3.10%	0.62%
05447	East Berkshire	$1,182	19.6%	4.21%	N/A
05201	Bennington	$1,181	47.7%	3.69%	0.97%
05032	Bethel	$1,180	11.1%	2.01%	1.46%
05760	Orwell	$1,179	8.6%	1.95%	1.30%
05084	West Hartford	$1,177	N/A	N/A	1.67%
05759	North Clarendon	$1,175	7.9%	2.31%	0.63%
05778	Whiting	$1,174	N/A	N/A	N/A
05777	West Rutland	$1,174	22.4%	2.73%	0.91%
05647	Cabot	$1,173	3.2%	1.00%	1.34%
05658	Marshfield	$1,172	8.1%	1.64%	N/A
05858	North Concord	$1,171	8.6%	1.05%	N/A
05653	Eden Mills	$1,170	17.3%	3.05%	1.53%
05820	Albany	$1,169	18.1%	2.63%	0.66%
05489	Underhill	$1,167	11.3%	1.52%	0.63%
05736	Center Rutland	$1,165	4.0%	0.94%	N/A
05770	Shoreham	$1,163	89.0%	1.47%	0.73%
05842	Greensboro Bend	$1,162	179.7%	1.82%	0.91%
05069	South Ryegate	$1,162	N/A	N/A	N/A
05748	Hancock	$1,162	N/A	N/A	N/A
05052	North Hartland	$1,159	4.0%	1.64%	N/A
05450	Enosburg Falls	$1,159	10.7%	1.58%	0.85%
05033	Bradford	$1,159	19.1%	2.63%	0.62%
05444	Cambridge	$1,158	5.9%	1.57%	0.59%
05667	Plainfield	$1,158	22.8%	3.53%	0.47%
05875	Barton	$1,158	0.7%	0.61%	0.61%
05401	Burlington	$1,156	22.6%	3.81%	0.60%
05682	Worcester	$1,155	6.5%	2.00%	N/A
05866	Sheffield	$1,154	1.6%	0.73%	N/A
05872	West Charleston	$1,151	15.1%	3.77%	2.83%
05079	Vershire	$1,150	4.2%	1.96%	0.49%
05859	North Troy	$1,147	59.6%	2.34%	1.06%
05076	Topsham	$1,146	20.5%	2.58%	N/A
05874	Westfield	$1,145	2.3%	0.56%	1.67%
05463	Isle La Motte	$1,143	4.2%	2.53%	0.63%
05473	North Ferrisburgh	$1,143	6.3%	1.83%	0.30%
05464	Jeffersonville	$1,141	9.1%	1.30%	0.56%
05042	East Ryegate	$1,141	338.3%	2.47%	N/A
05825	Coventry	$1,139	18.4%	1.94%	1.94%
05873	West Danville	$1,138	22.0%	0.68%	1.37%
05487	Starksboro	$1,138	14.3%	1.95%	0.28%
05839	Glover	$1,137	11.2%	1.95%	0.78%
05744	Florence	$1,137	21.9%	1.11%	N/A
05443	Bristol	$1,135	14.4%	2.37%	0.56%
05822	Barton	$1,135	112.1%	1.36%	0.78%
05836	East Hardwick	$1,135	4.9%	0.87%	N/A
05765	Proctor	$1,135	96.8%	3.12%	1.68%
05494	Westford	$1,133	19.6%	2.99%	0.69%
05461	Hinesburg	$1,130	24.7%	3.16%	0.77%
05151	Perkinsville	$1,128	11.3%	2.53%	1.01%
05847	Lowell	$1,127	27.6%	3.65%	1.56%
05867	Sutton	$1,127	8.1%	1.22%	0.61%
05675	Washington	$1,122	135.8%	1.52%	1.52%
05676	Waterbury	$1,122	16.3%	2.75%	0.66%
05086	West Topsham	$1,120	272.8%	3.03%	0.61%
05732	Bomoseen	$1,114	16.0%	1.02%	1.02%
05655	Hyde Park	$1,112	12.9%	2.04%	0.68%
05441	Bakersfield	$1,111	2.2%	0.94%	0.47%
05833	East Charleston	$1,109	N/A	N/A	N/A
05495	Williston	$1,108	50.0%	3.58%	0.61%
05477	Richmond	$1,107	23.9%	2.75%	0.51%
05448	East Fairfield	$1,104	4.8%	0.91%	1.36%
05156	Springfield	$1,102	29.6%	2.82%	0.82%
05663	Northfield	$1,101	76.3%	2.81%	0.62%
05680	Wolcott	$1,096	30.9%	3.13%	1.04%
05465	Jericho	$1,095	10.7%	2.36%	0.47%
05001	White River Junction	$1,095	59.2%	4.95%	0.96%
05871	West Burke	$1,092	91.2%	1.99%	1.11%
05747	Granville	$1,087	37.8%	6.60%	N/A
05440	Alburgh	$1,087	14.2%	2.13%	1.22%
05476	Richford	$1,087	74.0%	2.52%	0.84%
05454	Fairfax	$1,084	21.2%	2.75%	0.60%
05824	Concord	$1,082	15.9%	2.36%	0.34%
05843	Hardwick	$1,080	5.2%	1.66%	2.03%
05462	Huntington	$1,080	153.9%	1.86%	0.83%
05602	Montpelier	$1,079	17.2%	2.30%	0.65%
05829	Derby	$1,077	13.8%	1.83%	1.12%
05483	Sheldon	$1,068	43.4%	2.61%	0.29%
05656	Johnson	$1,066	46.4%	3.89%	0.37%
05252	East Arlington	$1,066	9.6%	2.13%	1.06%
05845	Irasburg	$1,064	132.0%	6.18%	0.73%
05442	Belvidere Center	$1,063	37.0%	1.23%	N/A
05819	Saint Johnsbury	$1,057	66.1%	2.43%	0.81%
05851	Lyndonville	$1,057	11.8%	2.33%	1.01%
05459	Highgate Center	$1,056	39.2%	3.02%	1.21%
05868	Troy	$1,049	3.5%	0.98%	N/A
05903	Canaan	$1,046	82.9%	1.11%	0.74%
05403	South Burlington	$1,044	27.7%	3.21%	0.83%
05830	Derby Line	$1,039	18.2%	2.92%	1.75%
05846	Island Pond	$1,034	31.0%	2.65%	0.66%
05679	Williamstown	$1,033	103.4%	2.08%	0.30%
05860	Orleans	$1,030	14.0%	1.29%	0.64%
05081	Wells River	$1,025	8.4%	3.55%	3.55%
05652	Eden	$1,023	16.1%	1.49%	1.00%
05457	Franklin	$1,015	27.3%	1.90%	0.54%
05654	Graniteville	$1,012	25.9%	4.59%	1.53%
05488	Swanton	$1,009	19.7%	3.50%	0.56%
05681	Woodbury	$1,008	50.8%	2.62%	0.44%
05478	Saint Albans	$1,006	57.2%	3.40%	0.72%
05649	East Barre	$1,003	12.9%	1.88%	1.88%
05452	Essex Junction	$992	21.8%	2.74%	0.54%
05664	Northfield Falls	$991	N/A	N/A	N/A
05837	East Haven	$988	39.8%	2.25%	1.12%
05855	Newport	$986	19.1%	1.95%	0.65%
05906	Lunenburg	$982	31.5%	1.67%	0.33%
05446	Colchester	$978	45.4%	2.85%	0.54%
05641	Barre	$975	39.9%	3.02%	0.62%
05468	Milton	$963	63.7%	3.64%	0.74%
05150	North Springfield	$920	15.4%	2.88%	0.96%
05481	Saint Albans Bay	$904	N/A	N/A	N/A
05408	Burlington	$866	12.7%	2.54%	0.61%
05404	Winooski	$847	58.0%	4.49%	0.53%

Vermont Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Vermont compares to other states

Related Data for Vermont

Natural Disaster Risk

FEMA disaster & NOAA storm data for Vermont

Wildfire Risk Data

USDA wildfire risk assessments for Vermont

Rental Market Data

HUD fair market rents in Vermont

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in Vermont

Climate Data

NOAA climate normals for Vermont

Frequently Asked Questions

What is the average homeowners insurance cost in Vermont? ▼

The average homeowners insurance premium in Vermont is $1,309 per year, based on U.S. Treasury FIO data covering 241 ZIP codes. This is 26% below the national average of $1,776.

How have insurance premiums changed in Vermont? ▼

Vermont homeowners insurance premiums changed by -1.9% between 2018 and 2022. The average loss ratio is 32.4%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Vermont? ▼

The most expensive ZIP code for homeowners insurance in Vermont is 05071, with an average premium of $3,055/yr. The most affordable is 05404 at $847/yr.

What is the nonrenewal rate for Vermont homeowners insurance? ▼

The average nonrenewal rate in Vermont is 0.90%. This rate has changed by -43.3% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 05081 has the highest nonrenewal rate in the state at 3.55%.

What is a loss ratio and what does Vermont's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Vermont's average loss ratio is 32.4%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Vermont? ▼

The average claim frequency in Vermont is 2.63%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $17,554. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

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