Home Insurance in Dukes County, Massachusetts
The median home value in Dukes County is $1,165,800, 107% higher than the Massachusetts median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dukes County was built around 1982. About 27% of homes were built before 1960, about 19 points below Massachusetts's 46%.
In Dukes County, the housing stock is 93% single-family homes and 3% apartments in buildings with 5+ units.
About 56% of owner-occupied homes in Dukes County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dukes County has an owner-occupancy rate of 82% and a vacancy rate of 57%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dukes County, 40% of homes are primarily heated with propane.
FEMA's National Risk Index lists hurricane (Relatively Low), coastal flooding (Relatively Low) and earthquake (Very Low) as the leading hazards for Dukes County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Dukes County has 906 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $1,165,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Coastal Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 906 |
| Home insurance premium | $2,134 - statewide average (NAIC, 2023 data) |
Sources
- 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)