"New data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report highlights how Connecticut compares locally and nationally. The latest American Community Survey (ACS) data from the U.S. Census Bureau shows that in 2024, Connecticut homeowners with a mortgage typically pay $1,500-$1,999 annually for homeowners insurance, while those without a mortgage average $1,000-$1,499. Statewide overall costs also fall in the $1,500-$1,999 range."
"Connecticut has 970,236 insured homeowner households in total-609,939 with a mortgage and 360,297 without. Among mortgaged owners, 56,142 pay less than $100 annually and 70,183 pay $4,000 or more. Among those without a mortgage, 54,873 pay less than $100 and 33,387 pay $4,000 or more. When compared with nearby states, Connecticut trends toward the higher side. Massachusetts homeowners with a mortgage typically pay $1,500-$1,999, while those in Rhode Island fall into the same range."
"This places Connecticut toward the top of New England, though far from the extremes seen in Gulf Coast states. Climate Risks and Insurance Burdens The Realtor.com 2025 Climate Risk Report underscores how climate risk correlates with affordability. Southern coastal metros dominate the rankings of highest insurance burdens: Miami homeowners face average premiums of $22,718 annually, representing 3.7% of home value, while Cape Coral and Tampa also rank among the nation's most expensive."
In 2024, Connecticut homeowners with a mortgage typically pay $1,500–$1,999 annually for homeowners insurance; homeowners without a mortgage typically pay $1,000–$1,499. Connecticut contains 970,236 insured homeowner households: 609,939 with a mortgage and 360,297 without. Tens of thousands of owners pay under $100, while sizable groups pay $4,000 or more. Connecticut’s averages are higher than several nearby New England states such as New York and New Hampshire and lower than Gulf Coast extremes. Southern coastal metros carry the highest insurance burdens, with Miami averaging $22,718 annually, about 3.7% of home value.
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