Homeowners Insurance in Winooski, VT

For a home at Winooski's median value of $381,500, we estimate about $1,440 a year — +19% versus the Vermont NAIC average of $1,215.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Winooski

Est. premium

$1,440

$120/mo · median home

Median home value

$381,500

Vermont: $316,600

Median year built

1974

Census ACS

Owner-occupied

35.2%

of households

Hazard score

57.5

state ref. 54.1

Winooski's estimate reflects its home values (20% higher than the state median) and FEMA's hazard profile for Chittenden County.

Natural hazard risk in Winooski

FEMA National Risk Index — Chittenden County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	16.7	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	29.5	Comprehensive; dwelling
Hurricane	Relatively Low	65.9	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	76.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	59.4	Comprehensive; dwelling
Winter weather	Relatively Moderate	84.9	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	25.4	Comprehensive; dwelling
Earthquake	Relatively Low	76.7	Home needs a separate earthquake policy
Lightning	Relatively High	82.8	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Winooski

Dwelling value	Wood frame	Brick / masonry
$200,000	$860	$790
$300,000	$1,190	$1,095
$500,000	$1,785	$1,645
$750,000	$2,470	$2,275

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in Vermont · Car insurance in Winooski · Insurance offices near Winooski

Frequently asked questions

How much is homeowners insurance in Winooski?

For a home at Winooski's median value of $381,500, we estimate about $1,440 a year for a standard HO-3 policy with a $1,000 deductible. The Vermont NAIC average is $1,215.

What are the biggest natural hazards in Winooski?

FEMA's National Risk Index rates Chittenden County relatively high or very high for lightning.

Does the age of homes in Winooski affect insurance?

Yes. The median home in Winooski was built in 1974 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Vermont, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Chittenden County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page