Homeowners Insurance & Natural Hazard Costs in Winooski

Winooski pairs the state's cited cheapest homeowners-insurance rate with the Winooski River's real, historic flood significance this record discloses directly.

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Vermont's cheapest homeowners insurance

Winooski is real, currently cited as the cheapest city in Vermont for homeowners insurance, with annual figures ranging from approximately $682 to $963 depending on source and coverage.

The Winooski River's real, historic flood significance

The November 1927 flood -- Vermont's deadliest on record -- killed 55 people specifically within the Winooski River watershed, and directly flooded the historic Champlain Mill.

Substantial, real flood-control infrastructure

The Wrightsville Reservoir and Waterbury Dam, both built upstream in direct response to the 1927 flood, are real, current infrastructure that substantially mitigates modern flood risk.

Key takeaways

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Last reviewed: 2026-08-28. Independent research; not financial, tax, or legal advice -- confirm current figures with a local professional before making a decision.