Massachusetts Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 500 ZIP codes in Massachusetts (MA).

The verdict

According to U.S. Treasury FIO filings, Massachusetts ranks #8 of 51 by average premium ($2,294/yr) ≠ #26 of 50 by nonrenewal (1.02%). Cost rank is not withdrawal rank.

$2,294
State avg premium (#8 of 51): #26
Nonrenewal of 50 (1.02%): 02554
In-state premium ZIP #1 ($16,084): 01840
In-state nonrenewal ZIP #1 (3.38%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Massachusetts vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$2,294 Higher than most lower premium than 14% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Massachusetts pay an average of $2,294 per year for home insurance - 29% above the national average of $1,776. That ranks Massachusetts as the 8th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 3.8%; nonrenewal rates declined by 18.7% over the same period.

On five-year premium growth (2018–2022), Massachusetts ranks 32nd out of 51 states. Its nonrenewal rate (1.02%) ranks 26th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Massachusetts Compares

vs National Average

$2,294 vs $1,776

29% above national avg

Rank Among States

8th of 51

most expensive for homeowners insurance

Loss Ratio vs National

29.0% vs 58.0%

insurers retain more margin here

Avg Premium

$2,294/yr

National avg: $1,776 (+29% above)

Premium Change

+3.8%

2018-2022 change

Avg Loss Ratio

29.0%

Claims paid vs premiums earned

Nonrenewal Rate

1.02%

-18.7% change

Data Snapshot: Massachusetts Homeowners Insurance

Across the 500 Massachusetts ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $2,294. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Massachusetts homeowner pays, gives $2,571 per year. That is 29% above the national average of $1,776 per year reported by the Federal Insurance Office. Massachusetts ranks 8th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,197 in 01376 to $16,084 in 02554.

Between 2018 and 2022, average premiums rose by 3.8% in Massachusetts, placing the state 32nd nationally on five-year premium growth. The state-level loss ratio averaged 29.0%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 1.02% across the ZIP codes that report one, a decline of 18.7% over the study period (ranking 26th out of 50 states).

Within Massachusetts, premium dispersion across ZIP codes is substantial: the most expensive ZIP (02554 in Nantucket) charges 1244% more than the least expensive (01376 in Turners Falls), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Massachusetts

Massachusetts statewide - FIO 2018-2022 average: 29% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

500

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$2,211	$1,795	35.7%	5.21%	1.26%
2019	$2,258 (+2.1%)	$1,837	30.7%	3.67%	0.96%
2020	$2,280 (+1.0%)	$1,864	27.4%	3.80%	0.80%
2021	$2,288 (+0.3%)	$1,840	29.4%	3.96%	0.75%
2022	$2,294 (+0.3%)	$1,850	29.0%	3.06%	1.02%

Average homeowners premium per year in Massachusetts.

Most Expensive ZIP Codes in Massachusetts

Most Affordable ZIP Codes in Massachusetts

All ZIP Codes in Massachusetts

500 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
02554	Nantucket	$16,084	-1.0%	2.32%	0.16%
02564	Siasconset	$15,191	3.1%	5.77%	0.64%
02535	Chilmark	$14,909	8.9%	3.86%	1.54%
02108	Boston	$11,504	102.6%	7.14%	1.68%
02647	Hyannis Port	$11,286	0.2%	0.88%	N/A
02539	Edgartown	$10,237	27.1%	2.73%	0.51%
02543	Woods Hole	$8,152	12.2%	4.59%	2.55%
02655	Osterville	$7,721	10.0%	3.01%	0.23%
02575	West Tisbury	$7,367	2.0%	0.75%	0.37%
02568	Vineyard Haven	$6,942	42.3%	2.71%	0.62%
02650	North Chatham	$6,531	9.1%	4.73%	0.30%
02643	East Orleans	$6,180	3.1%	4.05%	N/A
02672	West Hyannisport	$5,826	N/A	N/A	N/A
02633	Chatham	$5,618	20.8%	3.89%	0.68%
02557	Oak Bluffs	$5,316	3.6%	2.02%	0.88%
02646	Harwich Port	$5,268	12.3%	2.83%	1.24%
02666	Truro	$5,089	11.7%	3.14%	0.35%
02116	Boston	$5,064	72.9%	5.75%	1.79%
02540	Falmouth	$5,052	8.1%	3.16%	1.10%
02653	Orleans	$4,736	7.0%	2.50%	0.68%
02657	Provincetown	$4,678	8.8%	1.87%	3.74%
02493	Weston	$4,645	48.5%	5.42%	1.05%
01944	Manchester	$4,562	61.2%	5.14%	0.94%
02534	Cataumet	$4,534	1.0%	0.92%	N/A
02635	Cotuit	$4,522	11.6%	2.48%	0.62%
02641	East Dennis	$4,499	9.6%	2.09%	0.42%
02445	Brookline	$4,443	12.1%	3.46%	1.65%
02114	Boston	$4,284	29.2%	3.58%	2.01%
02652	North Truro	$4,262	10.9%	1.75%	0.88%
02030	Dover	$4,178	10.2%	2.95%	0.91%
02138	Cambridge	$4,167	10.7%	2.91%	1.11%
02556	North Falmouth	$4,142	17.5%	2.29%	0.42%
02671	West Harwich	$4,130	6.7%	2.68%	1.34%
02670	West Dennis	$4,064	8.9%	3.06%	0.44%
02667	Wellfleet	$3,952	10.3%	2.97%	2.41%
02481	Wellesley Hills	$3,880	21.3%	4.49%	0.75%
02467	Chestnut Hill	$3,861	19.8%	3.89%	0.74%
02025	Cohasset	$3,827	29.7%	6.87%	1.55%
02630	Barnstable	$3,824	38.3%	5.39%	0.77%
02638	Dennis	$3,612	47.8%	3.03%	1.12%
02659	South Chatham	$3,575	24.6%	2.51%	2.23%
02791	Westport Point	$3,560	N/A	N/A	N/A
01908	Nahant	$3,557	56.7%	5.80%	0.23%
02446	Brookline	$3,553	12.1%	3.67%	1.78%
02637	Cummaquid	$3,552	36.4%	5.00%	1.43%
01773	Lincoln	$3,551	50.1%	4.62%	1.24%
02738	Marion	$3,534	20.8%	3.66%	1.22%
02118	Boston	$3,510	38.3%	5.63%	2.25%
02649	Mashpee	$3,471	20.9%	3.24%	0.43%
02553	Monument Beach	$3,448	5.7%	3.09%	1.03%
02468	Waban	$3,426	17.7%	3.74%	0.52%
02332	Duxbury	$3,368	32.8%	6.38%	0.59%
02663	South Wellfleet	$3,353	9.8%	2.22%	7.78%
02642	Eastham	$3,320	16.1%	2.80%	0.45%
02559	Pocasset	$3,216	1.2%	0.73%	0.37%
02748	South Dartmouth	$3,209	30.2%	2.56%	0.70%
02458	Newton	$3,189	14.1%	4.40%	0.70%
02115	Boston	$3,184	16.0%	4.27%	2.74%
01741	Carlisle	$3,178	8.9%	2.49%	0.44%
02537	East Sandwich	$3,160	20.8%	4.29%	0.63%
02043	Hingham	$3,125	54.6%	4.76%	0.69%
02121	Dorchester	$3,124	21.9%	4.75%	2.75%
02631	Brewster	$3,123	18.9%	2.20%	0.91%
02668	West Barnstable	$3,121	23.5%	6.03%	0.35%
02632	Centerville	$3,114	19.8%	3.59%	0.18%
02459	Newton Center	$3,099	20.7%	4.64%	1.22%
01770	Sherborn	$3,063	87.8%	5.46%	0.56%
02673	West Yarmouth	$3,063	15.7%	2.42%	0.74%
01742	Concord	$3,047	19.3%	3.37%	0.74%
01921	Boxford	$3,046	60.9%	3.60%	0.85%
02465	West Newton	$3,031	13.3%	3.57%	0.75%
02664	South Yarmouth	$3,006	8.2%	2.51%	0.50%
02645	Harwich	$2,998	8.5%	1.69%	0.38%
02047	Humarock	$2,985	16.1%	4.76%	1.19%
02739	Mattapoisett	$2,984	8.9%	2.41%	0.55%
01945	Marblehead	$2,971	13.7%	4.42%	0.93%
02482	Wellesley	$2,956	13.2%	3.04%	0.77%
01264	Tyringham	$2,936	37.3%	6.90%	0.69%
02675	Yarmouth Port	$2,934	30.5%	3.34%	0.52%
02066	Scituate	$2,883	38.5%	4.68%	0.64%
02601	Hyannis	$2,853	35.2%	3.06%	0.69%
02129	Charlestown	$2,836	16.6%	3.29%	1.56%
02536	East Falmouth	$2,823	20.2%	2.75%	0.61%
01984	Wenham	$2,810	23.9%	3.58%	0.99%
02045	Hull	$2,770	51.6%	3.91%	0.63%
01907	Swampscott	$2,767	35.9%	3.41%	0.77%
02648	Marstons Mills	$2,763	26.0%	4.41%	0.46%
01262	Stockbridge	$2,735	19.2%	5.54%	1.02%
02061	Norwell	$2,729	57.7%	5.03%	0.42%
01890	Winchester	$2,721	32.5%	3.52%	0.39%
02492	Needham	$2,700	15.5%	2.79%	0.57%
02639	Dennis Port	$2,685	4.6%	2.17%	0.14%
02562	Sagamore Beach	$2,675	23.1%	4.37%	0.45%
02152	Winthrop	$2,666	14.6%	2.77%	1.00%
02660	South Dennis	$2,645	31.8%	2.42%	0.63%
02563	Sandwich	$2,639	19.5%	3.96%	0.38%
01259	Southfield	$2,631	8.1%	3.88%	0.49%
02125	Dorchester	$2,631	15.1%	4.72%	1.62%
01966	Rockport	$2,614	13.9%	2.73%	1.02%
02124	Dorchester Center	$2,609	68.6%	3.59%	1.33%
01266	West Stockbridge	$2,608	19.9%	2.15%	0.18%
02140	Cambridge	$2,597	37.3%	4.24%	1.06%
02127	South Boston	$2,584	9.9%	2.49%	1.64%
02420	Lexington	$2,578	24.5%	3.17%	1.10%
01930	Gloucester	$2,577	26.4%	3.68%	1.03%
01776	Sudbury	$2,576	15.1%	2.99%	0.83%
02460	Newtonville	$2,557	18.8%	3.28%	1.07%
02050	Marshfield	$2,547	56.6%	5.37%	0.98%
02130	Jamaica Plain	$2,537	22.4%	2.72%	1.75%
02119	Roxbury	$2,533	26.2%	3.82%	1.69%
02532	Buzzards Bay	$2,511	36.8%	3.40%	0.84%
01929	Essex	$2,506	9.9%	2.01%	1.01%
01778	Wayland	$2,505	36.6%	3.63%	0.58%
02139	Cambridge	$2,493	13.8%	2.21%	1.24%
01245	Monterey	$2,481	15.3%	3.85%	0.40%
01982	South Hamilton	$2,481	23.2%	3.61%	0.71%
01244	Mill River	$2,462	3.7%	2.35%	N/A
02090	Westwood	$2,460	30.5%	3.29%	0.79%
01254	Richmond	$2,458	13.4%	2.44%	1.02%
01451	Harvard	$2,443	11.8%	3.04%	1.09%
02478	Belmont	$2,439	19.4%	3.05%	0.76%
02052	Medfield	$2,435	30.7%	3.72%	0.63%
02421	Lexington	$2,424	12.4%	2.30%	0.91%
02466	Auburndale	$2,421	32.0%	3.66%	1.07%
02113	Boston	$2,410	86.3%	3.83%	1.64%
02186	Milton	$2,400	30.2%	3.94%	0.94%
02561	Sagamore	$2,392	45.1%	3.23%	1.61%
01740	Bolton	$2,391	10.6%	2.42%	0.90%
02126	Mattapan	$2,373	35.0%	4.40%	1.36%
02150	Chelsea	$2,371	45.3%	3.76%	2.23%
01983	Topsfield	$2,365	27.8%	3.76%	0.90%
02128	East Boston	$2,355	9.8%	2.80%	1.72%
02461	Newton Highlands	$2,353	27.4%	3.06%	0.56%
02151	Revere	$2,348	23.5%	2.59%	1.03%
02144	Somerville	$2,346	25.4%	2.45%	1.31%
01940	Lynnfield	$2,344	23.1%	3.86%	0.80%
01810	Andover	$2,344	34.0%	3.35%	0.71%
01772	Southborough	$2,344	25.6%	2.90%	1.13%
01951	Newbury	$2,321	65.3%	3.91%	0.58%
02122	Dorchester	$2,320	17.4%	2.94%	1.84%
02790	Westport	$2,305	17.2%	2.92%	1.11%
02339	Hanover	$2,293	34.9%	5.01%	0.93%
02143	Somerville	$2,285	11.6%	2.66%	1.13%
01985	West Newbury	$2,275	30.9%	2.94%	0.83%
01748	Hopkinton	$2,272	26.8%	3.03%	1.12%
01230	Great Barrington	$2,268	22.5%	3.41%	0.88%
02364	Kingston	$2,265	30.0%	4.37%	1.05%
01938	Ipswich	$2,260	19.8%	3.62%	0.61%
02644	Forestdale	$2,234	23.1%	3.23%	0.45%
02571	Wareham	$2,230	20.9%	2.19%	1.60%
02494	Needham Heights	$2,226	18.2%	3.06%	0.65%
02462	Newton Lower Falls	$2,216	5.4%	2.36%	1.68%
01609	Worcester	$2,204	118.6%	4.81%	1.91%
02558	Onset	$2,186	10.5%	2.70%	2.36%
01105	Springfield	$2,186	80.0%	5.26%	1.54%
02367	Plympton	$2,182	81.2%	2.81%	0.84%
02360	Plymouth	$2,179	29.4%	4.07%	0.71%
01902	Lynn	$2,172	17.1%	2.79%	1.52%
02145	Somerville	$2,167	23.2%	2.58%	1.88%
02769	Rehoboth	$2,166	10.4%	2.78%	0.76%
02356	North Easton	$2,156	26.4%	2.46%	0.47%
01258	South Egremont	$2,152	69.9%	4.20%	0.30%
02134	Allston	$2,152	14.0%	2.00%	2.77%
02215	Boston	$2,149	10.1%	1.38%	1.38%
01915	Beverly	$2,146	25.7%	3.07%	0.96%
02770	Rochester	$2,138	13.5%	2.98%	1.15%
01610	Worcester	$2,109	16.8%	2.94%	3.24%
01949	Middleton	$2,107	38.0%	3.85%	0.76%
02135	Brighton	$2,098	16.9%	2.79%	1.68%
02021	Canton	$2,090	22.9%	3.07%	0.85%
02067	Sharon	$2,080	32.0%	3.95%	0.90%
02120	Roxbury Crossing	$2,079	160.8%	4.51%	1.23%
01257	Sheffield	$2,070	17.6%	3.62%	0.83%
01845	North Andover	$2,070	25.8%	3.35%	0.84%
02724	Fall River	$2,069	11.5%	2.70%	0.69%
01240	Lenox	$2,067	32.7%	7.14%	0.88%
02301	Brockton	$2,061	35.8%	4.32%	1.39%
02719	Fairhaven	$2,058	17.6%	2.81%	1.20%
02740	New Bedford	$2,053	16.4%	3.19%	1.69%
02131	Roslindale	$2,049	36.3%	2.63%	1.07%
01950	Newburyport	$2,041	25.9%	3.50%	0.91%
01922	Byfield	$2,027	30.1%	2.26%	0.97%
02744	New Bedford	$2,016	16.2%	3.11%	0.78%
01255	Sandisfield	$2,012	48.3%	2.78%	1.77%
02347	Lakeville	$2,010	17.6%	3.27%	0.93%
01107	Springfield	$2,010	53.3%	5.04%	0.84%
02141	Cambridge	$2,008	5.5%	1.83%	0.84%
01581	Westborough	$2,006	22.7%	2.97%	1.31%
02359	Pembroke	$2,005	32.3%	3.90%	0.93%
01827	Dunstable	$1,994	25.1%	2.40%	1.37%
01108	Springfield	$1,991	60.8%	3.45%	1.39%
02464	Newton Upper Falls	$1,990	4.4%	2.51%	0.75%
01054	Leverett	$1,988	7.1%	2.03%	0.41%
01366	Petersham	$1,987	12.3%	1.92%	0.64%
02747	North Dartmouth	$1,977	17.5%	3.21%	0.97%
02476	Arlington	$1,972	40.4%	2.56%	0.71%
02132	West Roxbury	$1,971	20.0%	2.47%	0.69%
02093	Wrentham	$1,967	20.8%	2.73%	0.50%
02048	Mansfield	$1,966	14.9%	2.75%	0.69%
01841	Lawrence	$1,966	38.1%	3.07%	2.69%
01904	Lynn	$1,964	25.6%	2.95%	0.95%
01720	Acton	$1,963	30.5%	3.57%	0.93%
02702	Assonet	$1,962	17.4%	2.53%	1.17%
02056	Norfolk	$1,960	19.9%	2.72%	0.48%
01970	Salem	$1,959	16.4%	3.44%	1.56%
02081	Walpole	$1,958	24.5%	2.88%	0.83%
01267	Williamstown	$1,958	29.8%	3.11%	0.85%
02136	Hyde Park	$1,956	33.1%	3.14%	1.02%
01730	Bedford	$1,949	20.7%	2.60%	0.99%
01541	Princeton	$1,946	5.8%	1.66%	0.62%
02472	Watertown	$1,945	21.0%	2.94%	1.02%
01719	Boxborough	$1,945	21.8%	3.28%	0.55%
02375	South Easton	$1,938	23.1%	2.95%	0.95%
01905	Lynn	$1,934	21.9%	2.66%	1.35%
01503	Berlin	$1,923	12.7%	2.75%	1.70%
02032	East Walpole	$1,922	58.2%	3.08%	0.87%
01760	Natick	$1,919	28.5%	3.20%	0.91%
01969	Rowley	$1,915	16.9%	2.72%	0.47%
02720	Fall River	$1,909	36.9%	2.81%	0.91%
02576	West Wareham	$1,905	26.6%	2.34%	0.73%
01833	Georgetown	$1,900	16.9%	2.87%	0.90%
02333	East Bridgewater	$1,900	23.6%	3.08%	1.05%
01840	Lawrence	$1,897	9.6%	2.03%	3.38%
02071	South Walpole	$1,895	11.3%	3.27%	0.47%
01450	Groton	$1,893	86.5%	3.60%	0.98%
01745	Fayville	$1,891	60.2%	4.08%	1.02%
01775	Stow	$1,890	15.9%	2.84%	0.85%
01923	Danvers	$1,890	17.7%	2.72%	0.85%
01756	Mendon	$1,888	15.9%	2.75%	0.27%
01568	Upton	$1,886	25.1%	2.60%	0.64%
02149	Everett	$1,885	31.7%	2.60%	1.37%
02779	Berkley	$1,885	19.3%	2.40%	0.74%
02324	Bridgewater	$1,884	34.3%	3.69%	0.84%
02474	Arlington	$1,881	20.1%	2.76%	0.75%
01746	Holliston	$1,879	37.6%	2.78%	0.77%
02351	Abington	$1,876	24.1%	4.25%	0.87%
02746	New Bedford	$1,875	14.2%	3.55%	1.77%
02176	Melrose	$1,875	30.0%	2.98%	0.78%
02341	Hanson	$1,874	33.1%	4.16%	1.31%
02723	Fall River	$1,873	28.6%	3.17%	1.36%
02379	West Bridgewater	$1,869	44.9%	3.10%	0.80%
02155	Medford	$1,864	33.3%	3.03%	1.21%
02338	Halifax	$1,863	40.1%	3.32%	1.18%
02184	Braintree	$1,860	25.1%	3.11%	0.87%
01864	North Reading	$1,860	45.1%	3.59%	1.07%
02035	Foxboro	$1,858	20.1%	3.13%	1.14%
01505	Boylston	$1,856	13.3%	2.70%	0.90%
02767	Raynham	$1,856	23.1%	2.79%	0.93%
02771	Seekonk	$1,852	17.0%	2.98%	0.78%
01519	Grafton	$1,850	45.0%	3.17%	0.39%
02743	Acushnet	$1,850	31.9%	2.70%	1.10%
02171	Quincy	$1,848	22.6%	2.22%	1.64%
02763	Attleboro Falls	$1,848	6.2%	1.89%	0.47%
02038	Franklin	$1,846	38.8%	3.53%	0.64%
02452	Waltham	$1,846	11.7%	2.47%	1.00%
02053	Medway	$1,839	28.7%	3.44%	0.93%
02760	North Attleboro	$1,839	38.4%	3.29%	0.83%
02026	Dedham	$1,837	32.1%	3.22%	0.86%
02169	Quincy	$1,835	35.1%	2.82%	1.37%
02346	Middleboro	$1,834	19.8%	2.85%	0.70%
02777	Swansea	$1,831	29.4%	2.52%	0.67%
01906	Saugus	$1,828	22.9%	2.75%	1.16%
02370	Rockland	$1,827	41.8%	3.56%	1.28%
02330	Carver	$1,827	55.8%	4.68%	0.85%
02382	Whitman	$1,826	21.7%	2.92%	1.10%
02766	Norton	$1,825	39.8%	3.11%	0.71%
02302	Brockton	$1,823	39.4%	3.78%	0.91%
01867	Reading	$1,818	29.8%	2.71%	0.73%
02717	East Freetown	$1,814	28.8%	3.19%	1.37%
02721	Fall River	$1,814	21.0%	3.53%	1.49%
02170	Quincy	$1,810	40.6%	2.43%	1.83%
01106	Longmeadow	$1,807	23.8%	5.04%	0.53%
01834	Groveland	$1,799	27.8%	2.53%	1.30%
02054	Millis	$1,797	20.5%	2.11%	1.03%
02764	North Dighton	$1,795	49.4%	2.59%	0.38%
02148	Malden	$1,794	27.5%	2.88%	1.24%
01532	Northborough	$1,791	34.3%	2.75%	0.75%
01545	Shrewsbury	$1,787	39.8%	3.22%	0.94%
01590	Sutton	$1,783	42.0%	3.18%	0.93%
01109	Springfield	$1,783	29.3%	3.75%	1.35%
02726	Somerset	$1,777	22.8%	2.53%	0.63%
01525	Linwood	$1,765	16.7%	1.92%	N/A
01564	Sterling	$1,759	20.7%	3.18%	0.94%
02780	Taunton	$1,759	30.7%	2.89%	1.10%
01880	Wakefield	$1,758	17.5%	2.69%	0.80%
02715	Dighton	$1,755	17.9%	3.11%	1.14%
01721	Ashland	$1,754	25.8%	3.17%	1.05%
01536	North Grafton	$1,750	39.5%	2.76%	0.83%
02190	South Weymouth	$1,748	16.7%	2.78%	0.94%
02189	East Weymouth	$1,748	58.6%	3.39%	0.95%
01068	Oakham	$1,748	31.6%	2.62%	2.02%
01860	Merrimac	$1,746	31.1%	2.69%	0.67%
02762	Plainville	$1,745	49.7%	2.77%	0.82%
01747	Hopedale	$1,741	34.7%	3.73%	0.83%
01560	South Grafton	$1,739	103.1%	3.05%	0.69%
01702	Framingham	$1,737	22.2%	2.58%	1.24%
01243	Middlefield	$1,733	1.3%	1.63%	N/A
01604	Worcester	$1,731	28.5%	3.48%	1.42%
02453	Waltham	$1,728	33.7%	2.74%	1.21%
01605	Worcester	$1,728	29.9%	3.01%	1.40%
02062	Norwood	$1,727	21.7%	2.91%	0.95%
02072	Stoughton	$1,726	26.6%	2.98%	1.03%
02180	Stoneham	$1,725	34.9%	2.82%	0.91%
01886	Westford	$1,725	21.8%	2.95%	0.80%
01529	Millville	$1,723	37.5%	3.88%	1.40%
01612	Paxton	$1,723	35.2%	4.13%	1.81%
01341	Conway	$1,712	18.4%	2.26%	1.36%
01602	Worcester	$1,711	25.7%	3.81%	0.87%
01523	Lancaster	$1,709	31.3%	3.12%	1.27%
02322	Avon	$1,709	21.8%	3.51%	1.07%
01960	Peabody	$1,708	34.1%	3.52%	1.11%
01852	Lowell	$1,708	26.4%	2.49%	1.03%
01034	Granville	$1,707	95.2%	3.39%	0.59%
02188	Weymouth	$1,707	17.2%	3.21%	1.16%
01830	Haverhill	$1,705	32.6%	2.51%	1.50%
02538	East Wareham	$1,701	19.9%	3.38%	0.60%
01518	Fiskdale	$1,698	88.6%	2.38%	0.98%
02703	Attleboro	$1,693	38.4%	3.05%	1.01%
01843	Lawrence	$1,693	25.5%	2.67%	1.50%
01835	Haverhill	$1,691	22.6%	3.34%	1.41%
01701	Framingham	$1,691	32.9%	3.35%	0.83%
01037	Hardwick	$1,691	9.4%	3.10%	0.78%
01531	New Braintree	$1,690	64.7%	2.27%	0.45%
01516	Douglas	$1,689	29.8%	2.91%	0.90%
01608	Worcester	$1,688	136.6%	3.00%	2.15%
01952	Salisbury	$1,682	15.7%	2.97%	0.74%
01507	Charlton	$1,681	33.2%	2.98%	0.78%
01752	Marlborough	$1,680	20.0%	3.16%	1.52%
02745	New Bedford	$1,677	19.1%	2.32%	1.23%
02725	Somerset	$1,677	12.1%	2.85%	1.33%
02451	Waltham	$1,675	28.8%	3.68%	1.16%
01803	Burlington	$1,672	37.0%	2.74%	0.93%
02191	North Weymouth	$1,671	44.6%	3.72%	1.20%
02718	East Taunton	$1,668	15.5%	2.25%	1.09%
01542	Rochdale	$1,664	56.8%	4.40%	1.32%
01603	Worcester	$1,660	49.7%	3.29%	0.67%
01588	Whitinsville	$1,660	13.4%	2.65%	0.98%
01913	Amesbury	$1,659	22.5%	2.70%	0.43%
01460	Littleton	$1,659	30.2%	2.10%	0.57%
01330	Ashfield	$1,651	55.7%	2.02%	1.26%
01583	West Boylston	$1,650	11.5%	2.45%	1.13%
01026	Cummington	$1,649	7.7%	2.29%	0.46%
01569	Uxbridge	$1,645	35.8%	3.07%	0.73%
01566	Sturbridge	$1,644	20.2%	3.65%	1.09%
01534	Northbridge	$1,643	19.9%	2.55%	1.09%
01850	Lowell	$1,641	50.3%	2.44%	1.84%
01879	Tyngsboro	$1,635	16.1%	3.43%	1.14%
01832	Haverhill	$1,635	18.4%	2.82%	1.35%
01851	Lowell	$1,634	24.9%	2.83%	1.71%
01098	Worthington	$1,634	101.5%	1.99%	0.28%
01093	Whately	$1,634	17.0%	1.42%	0.35%
02368	Randolph	$1,632	40.2%	3.66%	1.18%
01607	Worcester	$1,630	26.1%	3.51%	1.04%
01550	Southbridge	$1,628	25.7%	3.22%	1.22%
01801	Woburn	$1,624	24.1%	2.65%	0.96%
01036	Hampden	$1,623	11.3%	2.93%	2.00%
01757	Milford	$1,623	34.2%	2.64%	0.99%
01462	Lunenburg	$1,619	28.4%	2.78%	0.86%
02019	Bellingham	$1,618	20.2%	3.10%	1.04%
01223	Becket	$1,614	44.0%	2.94%	0.92%
01844	Methuen	$1,613	35.2%	2.63%	1.36%
01510	Clinton	$1,609	16.5%	2.73%	1.77%
01094	Wheelwright	$1,608	186.1%	5.56%	1.85%
01368	Royalston	$1,608	28.4%	1.25%	0.63%
02343	Holbrook	$1,608	35.7%	3.62%	0.92%
01854	Lowell	$1,607	13.6%	2.09%	1.12%
01464	Shirley	$1,607	34.7%	2.47%	0.64%
01253	Otis	$1,605	87.7%	4.12%	0.74%
01887	Wilmington	$1,602	23.8%	2.55%	0.90%
01570	Webster	$1,601	20.5%	2.65%	1.25%
01520	Holden	$1,597	31.9%	3.16%	0.77%
01606	Worcester	$1,596	19.4%	2.69%	0.75%
01522	Jefferson	$1,596	23.0%	3.65%	1.35%
01535	North Brookfield	$1,596	22.6%	1.94%	0.88%
01029	East Otis	$1,593	43.1%	0.76%	0.38%
01611	Cherry Valley	$1,593	7.2%	1.73%	0.87%
01504	Blackstone	$1,591	41.6%	3.46%	1.21%
01527	Millbury	$1,589	38.7%	3.79%	0.96%
01463	Pepperell	$1,585	26.6%	1.88%	1.14%
01095	Wilbraham	$1,584	28.8%	4.09%	1.07%
01104	Springfield	$1,580	31.6%	2.91%	1.00%
01824	Chelmsford	$1,578	22.2%	2.91%	0.92%
01862	North Billerica	$1,577	42.0%	3.13%	0.98%
01431	Ashby	$1,575	8.7%	2.05%	1.09%
01473	Westminster	$1,575	42.4%	2.45%	0.67%
01060	Northampton	$1,575	31.6%	2.56%	1.16%
01474	West Townsend	$1,574	25.0%	2.09%	0.42%
01008	Blandford	$1,571	16.1%	3.60%	0.90%
01821	Billerica	$1,571	40.3%	2.85%	0.74%
01524	Leicester	$1,568	67.2%	3.58%	1.30%
01543	Rutland	$1,565	12.1%	2.31%	1.70%
01452	Hubbardston	$1,565	71.4%	2.18%	0.91%
01002	Amherst	$1,563	13.3%	2.36%	1.07%
01749	Hudson	$1,563	26.0%	2.18%	0.84%
01571	Dudley	$1,558	18.0%	2.73%	0.80%
01151	Indian Orchard	$1,553	57.7%	3.96%	1.06%
01010	Brimfield	$1,553	27.1%	2.20%	0.90%
01562	Spencer	$1,551	20.2%	2.77%	1.09%
01237	Lanesborough	$1,542	28.4%	3.59%	0.67%
01537	North Oxford	$1,541	51.5%	3.36%	1.44%
01501	Auburn	$1,538	47.2%	2.98%	0.86%
01754	Maynard	$1,536	41.2%	2.26%	0.74%
01420	Fitchburg	$1,536	31.7%	2.93%	1.55%
01040	Holyoke	$1,534	28.1%	3.22%	0.77%
01876	Tewksbury	$1,533	25.9%	2.52%	0.82%
01242	Lenox Dale	$1,531	19.3%	5.26%	N/A
01039	Haydenville	$1,531	3.1%	1.27%	0.63%
01370	Shelburne Falls	$1,529	29.3%	2.29%	0.33%
01270	Windsor	$1,529	11.0%	2.81%	1.20%
01430	Ashburnham	$1,524	20.1%	2.11%	0.41%
01338	Buckland	$1,524	5.2%	1.12%	0.56%
01863	North Chelmsford	$1,523	9.2%	2.36%	1.21%
01432	Ayer	$1,522	18.6%	2.74%	0.94%
01339	Charlemont	$1,519	7.9%	2.66%	1.33%
01053	Leeds	$1,517	140.2%	2.72%	1.21%
01453	Leominster	$1,516	51.4%	2.94%	1.05%
01506	Brookfield	$1,514	22.3%	1.19%	0.53%
01346	Heath	$1,512	3.6%	0.56%	1.13%
01342	Deerfield	$1,510	23.2%	3.70%	0.41%
01005	Barre	$1,509	22.0%	2.12%	1.15%
01540	Oxford	$1,509	33.8%	2.45%	1.04%
01083	Warren	$1,508	13.2%	2.59%	0.91%
01070	Plainfield	$1,504	21.9%	4.61%	1.97%
01096	Williamsburg	$1,498	9.7%	1.83%	1.60%
01038	Hatfield	$1,497	52.4%	2.89%	0.48%
01077	Southwick	$1,496	65.1%	2.88%	1.83%
01031	Gilbertville	$1,496	5.5%	2.91%	1.16%
01826	Dracut	$1,491	19.5%	2.39%	0.86%
01515	East Brookfield	$1,488	16.9%	1.53%	0.68%
01238	Lee	$1,485	71.9%	3.35%	1.12%
01469	Townsend	$1,482	8.9%	1.70%	0.76%
01256	Savoy	$1,481	18.9%	1.72%	1.72%
01585	West Brookfield	$1,480	32.0%	2.56%	1.08%
01235	Hinsdale	$1,474	41.3%	3.64%	0.67%
01340	Colrain	$1,470	65.0%	1.54%	0.62%
01028	East Longmeadow	$1,470	42.3%	3.22%	1.03%
01222	Ashley Falls	$1,468	17.3%	1.90%	0.48%
01092	West Warren	$1,465	2.0%	0.44%	2.19%
01118	Springfield	$1,460	26.4%	2.86%	0.69%
01035	Hadley	$1,459	22.6%	2.42%	0.69%
01236	Housatonic	$1,458	8.8%	2.82%	0.94%
01475	Winchendon	$1,455	30.0%	2.02%	0.97%
01436	Baldwinville	$1,454	3.9%	1.57%	0.87%
01440	Gardner	$1,453	24.8%	2.61%	0.86%
01331	Athol	$1,451	53.0%	2.53%	1.39%
01468	Templeton	$1,449	36.5%	1.74%	0.44%
01072	Shutesbury	$1,446	9.6%	2.72%	0.84%
01081	Wales	$1,443	13.7%	1.87%	0.83%
01011	Chester	$1,441	26.9%	3.14%	1.74%
01375	Sunderland	$1,441	12.1%	2.61%	0.49%
01119	Springfield	$1,438	24.2%	3.25%	1.06%
01012	Chesterfield	$1,438	11.1%	1.75%	0.70%
01355	New Salem	$1,437	8.5%	2.00%	0.40%
01129	Springfield	$1,437	69.2%	2.82%	0.90%
01373	South Deerfield	$1,433	23.8%	2.21%	0.33%
01071	Russell	$1,432	19.4%	2.13%	1.60%
01379	Wendell	$1,431	19.1%	3.23%	1.08%
01057	Monson	$1,430	30.5%	2.64%	0.82%
01226	Dalton	$1,429	18.2%	2.77%	0.27%
01079	Thorndike	$1,424	14.4%	1.98%	1.98%
01088	West Hatfield	$1,423	6.5%	0.80%	2.40%
01128	Springfield	$1,421	26.4%	3.03%	0.58%
01378	Warwick	$1,418	17.7%	4.90%	0.49%
01073	Southampton	$1,414	40.2%	2.73%	0.87%
01050	Huntington	$1,413	12.2%	2.79%	0.87%
01013	Chicopee	$1,411	47.1%	3.10%	1.05%
01089	West Springfield	$1,404	49.7%	3.34%	1.04%
01521	Holland	$1,401	65.9%	2.72%	0.68%
01085	Westfield	$1,401	36.5%	2.40%	1.30%
01367	Rowe	$1,397	1.9%	2.61%	0.87%
01360	Northfield	$1,393	85.3%	1.53%	0.70%
01007	Belchertown	$1,386	25.8%	3.27%	0.76%
01434	Devens	$1,386	11.7%	2.33%	N/A
01082	Ware	$1,381	36.6%	2.95%	0.89%
01201	Pittsfield	$1,378	36.2%	3.47%	0.92%
01438	East Templeton	$1,375	N/A	N/A	1.49%
01351	Montague	$1,374	7.6%	1.72%	0.34%
01001	Agawam	$1,367	36.0%	3.34%	1.06%
01225	Cheshire	$1,361	48.6%	4.81%	1.24%
01080	Three Rivers	$1,355	6.5%	1.53%	1.53%
01030	Feeding Hills	$1,355	34.0%	2.56%	0.97%
01020	Chicopee	$1,355	30.7%	3.31%	1.02%
01075	South Hadley	$1,354	32.1%	3.13%	0.85%
01062	Florence	$1,354	31.2%	2.56%	0.78%
01033	Granby	$1,352	35.2%	2.43%	0.88%
01056	Ludlow	$1,342	38.2%	2.67%	0.88%
01032	Goshen	$1,342	2.8%	1.30%	0.33%
01027	Easthampton	$1,339	22.6%	2.53%	0.77%
01301	Greenfield	$1,338	46.5%	2.85%	1.12%
01247	North Adams	$1,335	58.3%	3.53%	0.87%
01069	Palmer	$1,335	62.3%	3.01%	0.77%
01354	Gill	$1,328	20.0%	3.72%	0.93%
01349	Millers Falls	$1,327	3.1%	1.75%	N/A
01337	Bernardston	$1,317	6.5%	1.75%	0.64%
01009	Bondsville	$1,304	79.1%	1.88%	0.63%
01066	North Hatfield	$1,291	98.0%	6.78%	1.69%
01220	Adams	$1,279	57.1%	3.83%	0.96%
01364	Orange	$1,279	52.2%	2.82%	0.92%
01344	Erving	$1,254	42.1%	2.93%	N/A
01376	Turners Falls	$1,197	12.3%	1.74%	0.33%

Massachusetts Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Massachusetts compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Massachusetts

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Massachusetts ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

88.9

8th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Massachusetts FIO ZIPs

Most common top hazard

Hurricane

12 of 14 counties

Highest FEMA NRI counties in Massachusetts
County	Risk score	Rating	Top hazard
Middlesex	96.9	Relatively High	Hurricane
Essex	95.6	Relatively High	Coastal Flooding
Worcester	93.5	Relatively Moderate	Hurricane

Counties with elevated FEMA hazard ratings in Massachusetts
Hazard	Elevated counties	Share of joined
Flooding	7	50%
Hurricane	6	43%
Tornado	1	7%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Massachusetts: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($2,294/yr here).

Rhode Island $2,292/yr Connecticut $2,258/yr Texas $2,349/yr Kansas $2,350/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.02% here).

Illinois 1.03% Washington 0.96% Utah 1.11% Michigan 1.11%

Frequently Asked Questions

What is the average homeowners insurance cost in Massachusetts? ▼

Averaged across the 500 Massachusetts ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $2,294 ($2,571 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 29% above the national average of $1,776.

How have insurance premiums changed in Massachusetts? ▼

Massachusetts homeowners insurance premiums changed by +3.8% between 2018 and 2022. The average loss ratio is 29.0%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Massachusetts? ▼

The most expensive ZIP code for homeowners insurance in Massachusetts is 02554, with an average premium of $16,084/yr. The most affordable is 01376 at $1,197/yr.

What is the nonrenewal rate for Massachusetts homeowners insurance? ▼

Averaged across the Massachusetts ZIP codes that report one, the nonrenewal rate is 1.02%. This rate has changed by -18.7% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 01840 has the highest nonrenewal rate in the state at 3.38%.

What is a loss ratio and what does Massachusetts's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Massachusetts's average loss ratio is 29.0%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Massachusetts? ▼

The average claim frequency in Massachusetts is 3.06%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $19,422. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Massachusetts? ▼

Across 14 FEMA National Risk Index counties that join to Massachusetts ZIP codes in the FIO file, the mean county risk score is 88.9 (28% above the 50-state mean of 69.3). The most common county-level top hazard is Hurricane (12 of 14 counties). Elevated (Relatively High or Very High) county ratings concentrate in Flooding (7), Hurricane (6), Tornado (1). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Massachusetts in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Massachusetts ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Massachusetts Homeowners Insurance

How Massachusetts Compares

Data Snapshot: Massachusetts Homeowners Insurance

Loss Ratio Reading: Massachusetts

Premium Trends (2018-2022)

Average premium in Massachusetts, 2018–2022

Most Expensive ZIP Codes in Massachusetts

Most Affordable ZIP Codes in Massachusetts

All ZIP Codes in Massachusetts

Massachusetts Insurance Guides

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Natural-hazard context (FEMA NRI)

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