Homeowners Insurance in Westbrook, ME

For a home at Westbrook's median value of $383,300, we estimate about $1,470 a year — +28% versus the Maine NAIC average of $1,150.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Westbrook

Est. premium

$1,470

$123/mo · median home

Median home value

$383,300

Maine: $296,600

Median year built

1975

Census ACS

Owner-occupied

61.2%

of households

Hazard score

72.4

state ref. 65.8

Westbrook's estimate reflects its home values (29% higher than the state median) and FEMA's hazard profile for Cumberland County.

Natural hazard risk in Westbrook

FEMA National Risk Index — Cumberland County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	76.0	Comprehensive (car); roof claims (home)
Tornado	Very Low	25.5	Comprehensive; dwelling
Hurricane	Relatively Moderate	90.7	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	72.3	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Moderate	78.4	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	77.4	Comprehensive; dwelling
Winter weather	Very High	99.0	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	38.9	Comprehensive; dwelling
Earthquake	Relatively Low	81.1	Home needs a separate earthquake policy
Lightning	Relatively High	85.0	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 Westbrook

Dwelling value	Wood frame	Brick / masonry
$200,000	$870	$800
$300,000	$1,205	$1,110
$500,000	$1,815	$1,670
$750,000	$2,510	$2,310

Home Insurance Estimator

Estimated annual premium

—

Per month

—

Homeowners insurance in Maine · Car insurance in Westbrook · Insurance offices near Westbrook

Frequently asked questions

How much is homeowners insurance in Westbrook?

For a home at Westbrook's median value of $383,300, we estimate about $1,470 a year for a standard HO-3 policy with a $1,000 deductible. The Maine NAIC average is $1,150.

What are the biggest natural hazards in Westbrook?

FEMA's National Risk Index rates Cumberland County relatively high or very high for winter weather and lightning.

Does the age of homes in Westbrook affect insurance?

Yes. The median home in Westbrook was built in 1975 (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 Maine, 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 Cumberland County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page