Homeowners Insurance & Natural Hazard Costs in Colchester
Colchester pairs Vermont's real, low statewide homeowners-insurance picture with real, documented flood exposure this record discloses directly rather than omitting.
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Learn moreVermont's real, low statewide homeowners insurance
Vermont's statewide homeowners insurance runs approximately $1,054-$1,170/year across sources vermont.js cites -- among the cheapest in the nation. This record did not independently confirm a Colchester-specific figure this pass.
Real, documented July 2023 flood exposure
Colchester was directly named in NWS inundation warnings during the July 2023 Vermont flood event (Pine Island Road specifically cited), part of the federal Chittenden County disaster declaration.
Standard homeowners policies typically exclude flood damage
Given the real flood exposure disclosed above, lakefront and low-lying-parcel buyers should confirm current, separate flood-coverage availability and cost directly with an insurer.
Key takeaways
- Vermont's real, low statewide homeowners-insurance picture applies in Colchester.
- Colchester carries real, documented July 2023 flood exposure (Pine Island Road specifically named).
- Confirm separate flood-coverage availability directly, especially for lakefront or low-lying parcels.
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