Homeowners Insurance in Norwalk, CT
For a home at Norwalk's median value of $558,000, we estimate about $2,885 a year — +42% versus the Connecticut NAIC average of $2,036.
Estimated homeowners insurance cost in Norwalk
Norwalk's estimate reflects its home values (52% higher than the state median) and FEMA's hazard profile for Western Connecticut Planning Region. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.
Natural hazard risk in Norwalk
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 41.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 69.2 | Comprehensive; dwelling | |
| Hurricane | 97.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 98.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 89.8 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 97.8 | Comprehensive; dwelling | |
| Winter weather | 94.3 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 46.3 | Comprehensive; dwelling | |
| Earthquake | 92.0 | Home needs a separate earthquake policy | |
| Lightning | 78.9 | 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 Norwalk
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $1,270 | $1,165 |
| $300,000 | $1,755 | $1,615 |
| $500,000 | $2,640 | $2,430 |
| $750,000 | $3,650 | $3,360 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Norwalk
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 06854 | $460,500 | 47.1% | $2,470 |
| 06851 | $587,400 | 61.6% | $3,005 |
| 06850 | $581,200 | 54.1% | $2,980 |
| 06855 | $511,200 | 57.1% | $2,690 |
| 06853 | $1,610,200 | 88.1% | $6,730 |
Homeowners insurance in Connecticut · Car insurance in Norwalk · Insurance offices near Norwalk
Frequently asked questions
How much is homeowners insurance in Norwalk?
For a home at Norwalk's median value of $558,000, we estimate about $2,885 a year for a standard HO-3 policy with a $1,000 deductible. The Connecticut NAIC average is $2,036.
What are the biggest natural hazards in Norwalk?
FEMA's National Risk Index rates Western Connecticut Planning Region relatively high or very high for hurricane, inland (river) flooding, coastal flooding, strong wind, and winter weather.
Does the age of homes in Norwalk affect insurance?
Yes. The median home in Norwalk was built in 1967 (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 Connecticut, 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 Western Connecticut Planning Region relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Western Connecticut Planning Region)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)