Massachusetts

Home insurance overview — 500 ZIP codes, 223 cities

Avg Premium (2025 Est.)

$2,577

+12.3% from 2022

Nonrenewal Rate

1.02%

5yr Storm Damage

$53.1M

Massachusetts Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Harwich Port	1	$6,050	76	+14.8%	High
Provincetown	2	$5,260	74	+17.7%	High
Northwest Harwich	1	$4,791	74	+16.0%	High
Dennis	1	$4,145	73	+14.8%	High
North Eastham	4	$4,603	71	+17.2%	High
Onset	1	$2,530	71	+15.7%	High
West Dennis	1	$5,066	70	+24.7%	High
West Falmouth	1	$5,701	70	+12.8%	High
Monument Beach	2	$3,424	70	+14.9%	High
West Chatham	3	$5,875	69	+12.1%	High
Brookline	3	$4,296	67	+8.7%	High
Woods Hole	2	$12,895	67	+11.8%	High
Marshfield	2	$3,258	65	+17.8%	High
Brewster	1	$3,521	65	+12.7%	High
Orleans	2	$6,287	65	+15.2%	High
West Yarmouth	1	$3,518	64	+14.9%	High
South Yarmouth	1	$3,495	63	+16.3%	High
North Westport	2	$3,327	63	+13.4%	High
South Dennis	1	$3,019	63	+14.1%	High
Marion Center	1	$3,981	63	+12.6%	High
Chelsea	1	$2,680	62	+13.0%	High
East Sandwich	1	$3,514	62	+11.2%	High
Lenox Dale	1	$1,708	62	+11.5%	High
Barnstable Town	10	$5,427	62	+11.7%	High
Sagamore	2	$2,800	61	+10.5%	High
Lawrence	3	$2,101	61	+13.4%	High
North Falmouth	1	$4,524	61	+9.2%	High
Pocasset	2	$4,183	61	+8.0%	High
Lenox	2	$2,496	61	+10.3%	High
Dennis Port	1	$3,175	60	+18.3%	Elevated
Quincy	3	$2,035	60	+11.1%	Elevated
Hingham	2	$3,857	60	+11.0%	Elevated
North Brookfield	2	$1,895	60	+13.3%	Elevated
Boston	23	$3,432	60	+12.3%	Elevated
Nahant	1	$4,204	59	+18.2%	Elevated
Oak Bluffs	1	$5,941	59	+11.8%	Elevated
Dover	1	$4,601	59	+10.1%	Elevated
Yarmouth Port	1	$3,272	59	+11.5%	Elevated
Wareham Center	1	$2,548	59	+14.3%	Elevated
East Falmouth	1	$3,158	58	+11.9%	Elevated
Cordaville	2	$2,368	58	+11.8%	Elevated
New Bedford	5	$2,217	58	+14.5%	Elevated
Southbridge Town	1	$1,843	58	+13.2%	Elevated
New Seabury	1	$3,832	57	+10.4%	Elevated
Clinton	1	$1,819	57	+13.0%	Elevated
Milton	1	$2,670	57	+11.2%	Elevated
Wellesley	2	$3,821	57	+11.8%	Elevated
East Harwich	1	$3,457	57	+15.3%	Elevated
Foxborough	1	$2,063	57	+11.0%	Elevated
Barre	4	$1,866	57	+14.9%	Elevated
Somerville	3	$2,531	57	+11.7%	Elevated
Cambridge	4	$3,142	57	+11.5%	Elevated
Salem	1	$2,181	56	+11.3%	Elevated
East Dennis	1	$5,001	56	+11.2%	Elevated
West Warren	1	$1,666	56	+13.8%	Elevated
Housatonic	3	$2,512	56	+10.8%	Elevated
Rockport	1	$2,951	56	+12.9%	Elevated
Lynn	3	$2,261	56	+11.8%	Elevated
Gloucester	1	$2,899	56	+12.5%	Elevated
Revere	1	$2,632	55	+12.1%	Elevated
Randolph Town	3	$2,028	55	+12.0%	Elevated
Lee	4	$2,342	55	+10.0%	Elevated
Weymouth Town	4	$1,926	55	+12.1%	Elevated
Winthrop Town	1	$3,015	55	+13.1%	Elevated
Westborough	1	$2,261	55	+12.7%	Elevated
Mattapoisett Center	1	$3,461	55	+16.0%	Elevated
Fall River	6	$2,136	54	+12.0%	Elevated
Newton	9	$3,011	54	+11.6%	Elevated
South Lancaster	1	$1,946	54	+13.8%	Elevated
Essex	2	$3,924	54	+11.0%	Elevated
Needham	2	$2,771	54	+12.5%	Elevated
Spencer	2	$1,753	54	+12.4%	Elevated
West Wareham	2	$2,248	54	+11.2%	Elevated
Medfield	1	$2,729	53	+12.1%	Elevated
Sandwich	1	$2,879	53	+9.1%	Elevated
Norwood	2	$2,341	53	+11.8%	Elevated
Adams	2	$1,515	53	+9.8%	Elevated
Northborough	2	$2,072	53	+11.6%	Elevated
Swampscott	1	$3,067	53	+10.9%	Elevated
Fitchburg	1	$1,706	53	+11.1%	Elevated
Bliss Corner	1	$3,604	53	+12.3%	Elevated
Sharon	2	$2,115	53	+11.1%	Elevated
Everett	1	$2,110	53	+11.9%	Elevated
Russell	1	$1,606	53	+12.2%	Elevated
Great Barrington	6	$2,396	53	+10.2%	Elevated
Worcester	20	$1,931	53	+12.3%	Elevated
Hull	1	$3,188	53	+15.1%	Elevated
Bellingham	1	$1,806	52	+11.6%	Elevated
Oxford	3	$1,784	52	+13.2%	Elevated
Waltham	4	$2,478	52	+12.6%	Elevated
Kingston	3	$2,327	52	+11.3%	Elevated
Fiskdale	1	$1,910	52	+12.5%	Elevated
Lexington	2	$2,824	52	+12.9%	Elevated
Webster	2	$1,768	51	+11.9%	Elevated
Springfield	11	$1,874	51	+12.5%	Elevated
Braintree Town	1	$2,080	51	+11.8%	Elevated
Holbrook	1	$1,790	51	+11.3%	Elevated
Hopedale	4	$1,970	51	+13.5%	Elevated
Rutland	2	$1,975	51	+12.5%	Elevated
Hopkinton	1	$2,566	51	+12.9%	Elevated
Marblehead	1	$3,287	51	+10.6%	Elevated
Walpole	3	$2,147	51	+11.5%	Elevated
West Brookfield	1	$1,648	51	+11.3%	Elevated
Blandford	5	$1,907	51	+12.3%	Elevated
Dedham	1	$2,025	51	+10.2%	Elevated
Sturbridge	1	$1,840	50	+11.9%	Elevated
Nantucket	1	$19,904	50	+23.7%	Elevated
Chester	4	$1,807	50	+11.9%	Elevated
Topsfield	1	$2,606	50	+10.2%	Elevated
Millis-Clicquot	4	$2,425	50	+12.0%	Elevated
Malden	1	$2,008	50	+11.9%	Elevated
Baldwinville	3	$1,588	50	+11.3%	Elevated
Vineyard Haven	2	$7,818	50	+9.3%	Elevated
Smith Mills	1	$2,180	50	+10.2%	Elevated
Marlborough	1	$1,893	50	+12.7%	Elevated
West Concord	1	$3,395	50	+11.4%	Elevated
Haverhill	4	$1,911	50	+11.9%	Elevated
South Duxbury	1	$3,717	49	+10.3%	Elevated
Millers Falls	3	$1,494	49	+11.7%	Elevated
Whitinsville	6	$1,940	49	+13.0%	Elevated
Devens	3	$1,977	49	+10.8%	Elevated
Beverly	3	$2,736	49	+10.4%	Elevated
Hanson	4	$2,214	49	+11.7%	Elevated
Saugus	1	$2,043	49	+11.8%	Elevated
Edgartown	1	$11,443	49	+11.8%	Elevated
East Douglas	2	$1,971	49	+13.5%	Elevated
Pepperell	2	$2,025	49	+13.2%	Elevated
Cochituate	3	$3,360	49	+11.1%	Elevated
Leominster	2	$1,837	49	+12.2%	Elevated
Upton	1	$2,124	49	+12.6%	Elevated
Acushnet Center	1	$2,062	49	+11.5%	Elevated
Groton	1	$2,132	49	+12.6%	Elevated
Medford	1	$2,071	49	+11.1%	Elevated
Williamstown	1	$2,137	49	+9.2%	Elevated
Warren	2	$1,731	49	+13.1%	Elevated
East Brookfield	1	$1,684	49	+13.2%	Elevated
Forestdale	1	$2,412	49	+8.0%	Elevated
Athol	2	$1,697	49	+10.9%	Elevated
Lynnfield	1	$2,628	48	+12.1%	Elevated
Gardner	3	$1,719	48	+12.3%	Elevated
Brockton	4	$2,191	48	+10.8%	Elevated
Cheshire	5	$1,648	48	+12.9%	Elevated
Boxford	2	$2,802	48	+13.3%	Elevated
Westfield	2	$1,643	48	+13.4%	Elevated
Ware	2	$1,613	48	+12.2%	Elevated
Franklin Town	2	$2,138	48	+12.1%	Elevated
Milford	1	$1,818	48	+12.0%	Elevated
Newburyport	2	$2,454	48	+12.5%	Elevated
Abington	3	$2,056	48	+11.5%	Elevated
Watertown Town	1	$2,163	48	+11.2%	Elevated
Belmont	1	$2,721	47	+11.6%	Elevated
The Pinehills	1	$2,427	47	+11.4%	Elevated
Peabody	1	$1,902	47	+11.3%	Elevated
North Attleborough Town	3	$2,054	47	+13.5%	Elevated
Hatfield	4	$1,587	47	+11.9%	Elevated
Winchendon	1	$1,636	47	+12.5%	Elevated
Burlington	2	$2,039	47	+12.6%	Elevated
Lunenburg	1	$1,820	47	+12.4%	Elevated
Lowell	10	$1,978	47	+11.1%	Elevated
North Lakeville	1	$2,240	47	+11.5%	Elevated
Palmer Town	4	$1,523	47	+12.4%	Elevated
Raynham Center	2	$2,121	47	+11.8%	Elevated
Shelburne Falls	7	$1,745	47	+11.9%	Elevated
Petersham	2	$1,903	47	+11.1%	Elevated
Scituate	2	$3,108	47	+10.8%	Elevated
Ipswich	1	$2,497	46	+10.5%	Elevated
Maynard	6	$2,297	46	+12.0%	Elevated
Framingham	4	$1,986	46	+12.5%	Elevated
Reading	2	$2,061	46	+12.1%	Elevated
Andover	2	$2,472	46	+12.0%	Elevated
Taunton	5	$1,973	45	+11.3%	Elevated
Pittsfield	2	$1,647	45	+12.8%	Elevated
Attleboro	1	$1,890	45	+11.6%	Elevated
Wilbraham	3	$1,704	45	+12.3%	Elevated
North Seekonk	2	$2,244	45	+11.7%	Elevated
Danvers	2	$2,239	45	+12.0%	Elevated
Holyoke	1	$1,727	45	+12.5%	Elevated
North Pembroke	1	$2,249	45	+12.1%	Elevated
Arlington	2	$2,166	45	+12.4%	Elevated
Huntington	2	$1,611	44	+13.0%	Elevated
Chicopee	2	$1,554	44	+12.4%	Elevated
Middleborough Center	1	$2,049	44	+11.7%	Elevated
Melrose	1	$2,087	44	+11.3%	Elevated
West Springfield Town	1	$1,585	44	+12.9%	Elevated
South Ashburnham	2	$1,714	44	+10.6%	Elevated
Somerset	2	$1,921	44	+11.2%	Elevated
Stoneham	1	$1,930	44	+11.9%	Elevated
Bridgewater Town	1	$2,091	44	+11.0%	Elevated
Siasconset	1	$17,135	44	+12.8%	Elevated
Wakefield	1	$1,969	43	+12.0%	Elevated
Methuen Town	2	$1,728	43	+11.3%	Elevated
Northampton	6	$1,648	43	+12.1%	Elevated
Winchester	1	$3,048	43	+12.0%	Elevated
Woburn	1	$1,815	43	+11.8%	Elevated
Amherst Town	3	$1,866	43	+12.1%	Elevated
Rowley	2	$2,176	43	+10.4%	Elevated
Agawam Town	2	$1,529	42	+12.4%	Elevated
Amesbury Town	3	$2,109	42	+11.4%	Elevated
Mansfield Center	1	$2,177	42	+10.7%	Elevated
Norton Center	1	$2,040	42	+11.8%	Elevated
Brookfield	1	$1,676	42	+10.7%	Elevated
Townsend	2	$1,713	41	+12.1%	Elevated
Shirley	1	$1,818	41	+13.1%	Elevated
White Island Shores	1	$1,884	41	+10.7%	Elevated
Holland	2	$1,586	41	+11.5%	Elevated
Ocean Grove	1	$2,035	41	+11.2%	Elevated
Salisbury	1	$1,851	41	+10.1%	Elevated
Hudson	1	$1,742	41	+11.5%	Elevated
North Adams	2	$1,522	40	+11.4%	Moderate
Wilmington	1	$1,790	40	+11.7%	Moderate
Monson Center	1	$1,602	40	+12.0%	Moderate
Longmeadow	1	$2,015	39	+11.5%	Moderate
Greenfield	2	$1,474	39	+11.0%	Moderate
Orange	1	$1,422	39	+11.2%	Moderate
Easthampton Town	2	$1,556	38	+13.0%	Moderate
Pinehurst	2	$1,729	38	+11.4%	Moderate
Deerfield	1	$1,690	38	+11.9%	Moderate
Littleton Common	1	$1,848	38	+11.4%	Moderate
South Deerfield	3	$1,692	37	+12.6%	Moderate
Northfield	2	$1,602	36	+13.9%	Moderate
Belchertown	1	$1,570	35	+13.3%	Moderate
Granby	2	$1,510	35	+11.6%	Moderate
Turners Falls	3	$1,461	34	+12.4%	Moderate

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Highest Risk ZIPs

02671Northwest Harwich

Safest ZIPs

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.