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Home insurance & flood costs in ZIP 06360 (Norwich, CT)

Plain facts for homeowners in Norwich: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 06360 at a glance

Four numbers most homeowners ask about first.

$1,647
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,840
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.48%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.4%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 06360 in numbers
$13,874
average paid claim (2022)
+1%
premium change 2018–2022, after inflation
2.68%
cancelled by insurers mid-term (2022)
53
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 06360 was $1,647 in 2022, 10% below the Southeastern Connecticut Planning Region typical ZIP ($1,837) and 6% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it held roughly steady between 2018 and 2022. About 4.4% of policies here had a paid claim in 2022, and insurers chose not to renew 1.48% of policies.

Southeastern Connecticut Planning Region overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 06360Southeastern ConnecticutU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 06360 in 2025 cost $1,840, based on 53 policies, compared with $1,710 in 2022. About 66% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

53 policies
A zones 66%X/B/C zones 34%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Southeastern Connecticut Planning Region

The chart shows the share of homeowners policies in ZIP 06360 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Southeastern Connecticut Planning Region are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Hurricane95 · Relatively High
  • Inland flooding92 · Relatively Moderate
  • Earthquake81 · Relatively Low
  • Ice storm78 · Relatively Moderate
  • Winter weather77 · Relatively Moderate

Other ZIP codes in Southeastern Connecticut Planning Region

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 16; see the county page for all.

06226 Willimantic · $1,64706249 Lebanon · $1,83706320 New London · $2,34206335 Gales Ferry · $1,87206339 Ledyard · $1,87806340 Groton · $2,38106351 Jewett City · $1,66306355 Mystic · $2,51506357 Niantic · $2,36806359 North Stonington · $2,11006370 Oakdale · $1,75006378 Stonington · $3,461

Practical next steps

Simple things homeowners in ZIP 06360 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.