Homeowners insurance in Vermont: premium by ZIP code
Vermont insurers paid the smallest average claim of any state, $11,373; the median ZIP code paid $1,203 per policy in 2022.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Vermont (median ZIP code)
$1,203
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,602.
| Change from 2018 to 2022, after inflation | -0.8% |
| Premium per policy in 2018 | $1,213 |
| Premium per policy in 2022 | $1,203 |
| 2022 premium carried to September 2026 (BLS index) | $1,602 |
| Policies not renewed by the insurer, 2022 | 0.72% |
| Claims paid per 100 policies, yearly average | 2.9 |
| Average claim paid, 2018 to 2022 (adjusted) | $11,373 |
| Cancelled for nonpayment, 2022 | 1.92% |
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 · 247 ZIP codes in 14 counties of Vermont in the Treasury file · not a quote
Vermont is a low-loss state in the Treasury file. Insurers paid 2.9 claims per 100 policies a year, ranked 45 of 51, and the smallest average claim of any state, $11,373. The paid loss ratio stayed between 15% and 22%. The median ZIP code paid $1,203 per homeowners policy in 2022, ranked 41 of 51 and below the national $1,551, and the figure fell -1.5% after inflation from 2018, one of the few declines. Nonrenewals fell every year, from 1.41% in 2018 to 0.72% in 2022. Windsor County paid $1,387, Windham $1,409; the cheapest ZIP codes were in Chittenden County around Burlington, 05404 at $847. The data stop in 2022, a year before the July 2023 floods, which homeowners policies did not cover. Vermont has no FAIR plan for homes.
Small claims, low premiums
An average paid claim of $11,373 over 2018 to 2022, against $15,105 for the median ZIP code nationally, points to repairs rather than total losses: ice dams, frozen pipes, wind and fallen trees. Paid claims per 100 policies fell from 3.4 in 2018 to 2.5 in 2022, and the paid loss ratio was 22%, 21%, 15%, 16%, 18%. With losses that low, premiums did not keep up with general inflation. With claims this small, a repair near the deductible is often better paid directly, as the calculator below shows.
A small Vermont claim: file or pay?
Example, not your result yet· change a figure to see yours
Filing leaves you ahead by
$750
| Claim payment after deductible | $1,500 |
| Extra premium over the period | $750 |
| National median claim paid, 2018 to 2022 | $15,105 |
Counties and ZIP codes
Windsor County had 32 ZIP codes in the file and a median of $1,387 in 2022; Orange County $1,203, Rutland $1,229 and Windham $1,409. All four fell after inflation. The dearest ZIP codes were 05071 in Windsor County, Woodstock, at $3,055 and 05251 in Bennington County, Dorset, at $2,905, with large old houses and second homes. The cheapest, 05404 and 05408 in Chittenden County, paid $847 and $866.
Floods are a separate policy
Vermont's worst recent disasters were floods: Irene in 2011 and the July 2023 rains that flooded Montpelier, Barre and many valley towns. Homeowners policies exclude flood from rising water, and few Vermont households outside mapped flood zones carried a flood policy. Those losses do not appear in these figures. If your house is near a river or a brook, a flood policy is a separate purchase, usually with a waiting period before it starts.
Renewals and the regulator
The median nonrenewal rate went 1.41%, 1.12%, 1.05%, 0.83%, 0.72% from 2018 to 2022, falling every year. Cancellations for nonpayment were above the national median, 1.92%. Vermont has no residual market plan for homes listed in the Treasury report. The Vermont Department of Financial Regulation handles complaints. Wood stoves and old wiring are common questions on applications for Vermont farmhouses; the dwelling coverage page explains how to set a limit for a house that would cost more to rebuild than to buy.
Vermont, year by year
| Year | Vermont median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,213 | $1,445 | 1.41% | 3.4 | 22% |
| 2019 | $1,219 | $1,469 | 1.12% | 3.4 | 21% |
| 2020 | $1,219 | $1,491 | 1.05% | 2.5 | 15% |
| 2021 | $1,214 | $1,521 | 0.83% | 2.5 | 16% |
| 2022 | $1,203 | $1,551 | 0.72% | 2.5 | 18% |
The Vermont counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Windsor County | 32 | $1,444 | $1,387 | -3.0% | 0.93% | $11,471 |
| Orange County | 25 | $1,213 | $1,203 | -2.5% | 0.63% | $8,375 |
| Rutland County | 25 | $1,259 | $1,229 | -2.7% | 0.90% | $10,972 |
| Windham County | 24 | $1,390 | $1,409 | -0.4% | 0.80% | $18,740 |
| Orleans County | 22 | $1,119 | $1,142 | +0.8% | 0.75% | $11,475 |
| Washington County | 19 | $1,173 | $1,172 | -1.7% | 0.62% | $10,628 |
| Bennington County | 17 | $1,569 | $1,681 | -1.7% | 1.06% | $11,373 |
| Chittenden County | 16 | $1,120 | $1,101 | -3.1% | 0.62% | $11,548 |
Highest and lowest premiums per policy, Vermont ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 05071 | Windsor County | $3,055 | -17.7% | 0.88% |
| 05251 | Bennington County | $2,905 | +2.4% | 0.45% |
| 05254 | Bennington County | $2,869 | -2.2% | 1.12% |
| 05672 | Lamoille County | $2,810 | -7.6% | 0.78% |
| 05155 | Windham County | $2,604 | -6.1% | 0.51% |
| 05404 | Chittenden County | $847 | -3.5% | 0.53% |
| 05408 | Chittenden County | $866 | -2.8% | 0.61% |
| 05670 | Washington County | $877 | -5.9% | 0.00% |
| 05481 | Franklin County | $904 | -8.7% | 0.00% |
| 05150 | Windsor County | $920 | -1.0% | 0.96% |