Home Insurance in Barnstable Town, Massachusetts
The median home value in Barnstable Town is $602,500, close to the Barnstable County median.
The typical home in Barnstable Town was built around 1978. About 21% of homes were built before 1960, about 4 points below Barnstable County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Barnstable Town, the housing stock is 85% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 62% of owner-occupied homes in Barnstable Town have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Barnstable Town are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Barnstable Town, 69% of homes are primarily heated with natural gas.
Barnstable County's top FEMA-rated hazard is coastal flooding (Very High), per FEMA's National Risk Index. Barnstable County had 9,668 active NFIP flood policies as of September 2026. See the full Barnstable County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Massachusetts, the statewide average premium for a standard HO-3 homeowners policy is $2,134 per year (NAIC, 2023 data).
Key figures
| Median home value | $602,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Barnstable County | 9,668 |
| Home insurance premium | $2,134 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)