Harwinton Indian Meadow Homeowners Association, Inc.
35 White Oak Dr., Harwinton, CT, 06791
Solid, with items to review
Flood-claim history is the main driver — $3K paid across 1 claims in ZIP 06791.
Based on 5 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 5 of 9
56%Still blank: Homes, Stories, Year built, Management.
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Schools nearby
- Lewis S. Mills High School1.5 mi
- Har-Bur Middle School1.6 mi
Distances are straight-line from this building. Enrollment counts come from the federal school directory — no school ratings are published in this data, so none are shown. NCES Common Core of Data
Know the risks before you buy
Natural-hazard profile — Northwest Hills County
Overall county risk: Relatively Low compared with other U.S. counties.
FEMA expects natural hazards to cost $53.6M per year across Northwest Hills County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 06791
Federal flood insurance has paid $3K across 1 claims in this ZIP code since 2008. The worst year was 2008 ($3K paid).
ZIP-level history for the whole ZIP code, not this building. Source: OpenFEMA NFIP claims (redacted, public domain).
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
- Special deductibleHurricane. Wind is usually a covered peril, but hurricane or named-storm claims often carry a separate deductible expressed as a percentage of the insured value — 1% to as high as 15%. NAIC
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — state average
- Connecticut average: $420/yr for a condo unit-owner (HO-6) policy — 27% below the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Connecticut average $1,520/yr across 31,015 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
The insurance market in Connecticut
- If the private market says no: Connecticut FAIR Plan — statewide insurer of last resort for basic property insurance.
- Storm deductibles: Windstorm/hail deductibles may be flat or a percentage of dwelling coverage; hurricane deductibles apply only when a hurricane warning brings sustained winds of 74+ mph to the state. CT Insurance Dept.
State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: Connecticut Insurance Department.
Insurance market in Connecticut
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Harwinton Indian Meadow Homeowners Association, Inc. report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the Connecticut market rules
- Where to request the official documents, with direct links
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What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in Connecticut: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
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