Homeowners insurance in Connecticut: premium by ZIP code
Connecticut's median ZIP code paid $1,908 per policy in 2022, almost exactly what it paid in 2018 after inflation.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Connecticut (median ZIP code)
$1,908
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,541.
| Change from 2018 to 2022, after inflation | -0.6% |
| Premium per policy in 2018 | $1,919 |
| Premium per policy in 2022 | $1,908 |
| 2022 premium carried to September 2026 (BLS index) | $2,541 |
| Policies not renewed by the insurer, 2022 | 0.90% |
| Claims paid per 100 policies, yearly average | 4.9 |
| Average claim paid, 2018 to 2022 (adjusted) | $17,618 |
| Cancelled for nonpayment, 2022 | 1.36% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 263 ZIP codes in 8 counties of Connecticut in the Treasury file · not a quote
Connecticut homeowners premiums held still from 2018 to 2022 in the Treasury file: the median ZIP code paid $1,919 per policy at the start and $1,908 at the end, a change of +0.2% after inflation, ranked 44 of 51 for growth. The level is above the national median of $1,551, ranked 13. The state has only eight counties, and Fairfield County, on Long Island Sound next to New York, stands apart with a median of $2,732, against $1,765 in Hartford County. The two dearest ZIP codes, 06830 and 06831 in Greenwich, paid close to $9,000 per policy. Claims spiked in 2020, the year Tropical Storm Isaias knocked down trees across the state, at 6.6 per 100 policies. The Connecticut FAIR Plan covers homes private insurers decline. The data stop in 2022.
Fairfield County and the rest
Hartford County, with 55 ZIP codes, had a median of $1,765 in 2022, slightly lower after inflation than in 2018. New Haven County was at $1,875 and Litchfield County, in the northwest hills, at $2,259. Fairfield County's median, $2,732, reflects large houses and shoreline exposure. Its ZIP code 06830 paid $8,979 and 06831 paid $8,903. The cheapest ZIP codes, 06790 in Litchfield County and 06062 in Hartford County, paid around $1,242. The state's dearest tenth of ZIP codes paid over $3,442, more than twice the cheapest tenth.
Trees, wind and the 2020 spike
Connecticut's claim rate, 4.9 per 100 policies a year, sits near the middle of the states. The exception was 2020, when paid claims reached 6.6 per 100 policies and the paid loss ratio rose to 39%: Isaias in August of that year brought down trees and power lines over much of the state. Old, tall trees near houses are a feature of the Connecticut suburbs, and a tree on a roof is a typical wind claim. Many shoreline policies also carry a percentage hurricane deductible that typically applies only once the National Weather Service has issued a hurricane warning for the state.
A shoreline hurricane deductible
Example, not your result yet· change a figure to see yours
The insurer would pay
$13,000
| Full percentage deductible | $12,000 |
| Paid with the flat deductible instead | $24,000 |
| Extra you carry because of the percentage | $11,000 |
| 2% of this dwelling limit | $12,000 |
Foundations and the policy
In the northeast of the state, many houses have crumbling concrete foundations caused by a mineral in the aggregate. Standard homeowners policies generally do not pay for that gradual deterioration, and the state set up a separate fund to help owners. It is a reminder that a policy covers sudden, accidental damage, not wear or defects; the claim page discusses when a claim is worth filing.
Renewals and the FAIR Plan
Insurers declined to renew 0.90% of policies in the median ZIP code in 2022, near the national figure. The Connecticut FAIR Plan writes a basic dwelling fire policy covering fire, lightning, wind and hail for homes that cannot find a private insurer. The Connecticut Insurance Department handles complaints and reviews rates.
Connecticut, year by year
| Year | Connecticut median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,919 | $1,445 | 0.79% | 4.6 | 33% |
| 2019 | $1,913 | $1,469 | 0.75% | 3.8 | 32% |
| 2020 | $1,890 | $1,491 | 0.74% | 6.6 | 39% |
| 2021 | $1,899 | $1,521 | 0.69% | 4.9 | 36% |
| 2022 | $1,908 | $1,551 | 0.90% | 3.8 | 34% |
The Connecticut counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Hartford County | 55 | $1,751 | $1,765 | -2.1% | 0.69% | $16,047 |
| Fairfield County | 45 | $2,648 | $2,732 | -1.4% | 0.93% | $21,012 |
| New Haven County | 39 | $1,868 | $1,875 | -0.7% | 1.35% | $18,453 |
| Litchfield County | 37 | $2,216 | $2,259 | +0.7% | 0.85% | $18,958 |
| New London County | 27 | $1,817 | $1,872 | +1.9% | 0.79% | $17,100 |
| Windham County | 24 | $1,685 | $1,704 | +0.9% | 1.36% | $14,998 |
| Middlesex County | 22 | $2,106 | $2,187 | +2.2% | 0.90% | $15,783 |
| Tolland County | 14 | $1,846 | $1,824 | +0.4% | 0.69% | $17,208 |
Highest and lowest premiums per policy, Connecticut ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 06830 | Fairfield County | $8,979 | -2.0% | 0.53% |
| 06831 | Fairfield County | $8,903 | +2.1% | 0.57% |
| 06793 | Litchfield County | $6,639 | +5.7% | 1.15% |
| 06840 | Fairfield County | $5,957 | -1.2% | 0.76% |
| 06870 | Fairfield County | $5,699 | +5.0% | 0.44% |
| 06790 | Litchfield County | $1,242 | -6.2% | 0.96% |
| 06062 | Hartford County | $1,246 | -4.2% | 0.69% |
| 06010 | Hartford County | $1,295 | -6.7% | 0.76% |
| 06096 | Hartford County | $1,303 | +2.0% | 0.74% |
| 06779 | Litchfield County | $1,318 | +0.4% | 1.52% |