Home Insurance in Newburyport, Massachusetts
Homes in Newburyport carry a median value of $834,000 - 35% higher than the Essex County median.
The typical home in Newburyport was built around 1954. About 55% of homes were built before 1960, about 5 points above Essex County's 50%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Newburyport, the housing stock is 66% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Newburyport, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Newburyport are owner-occupied.
In Newburyport, 69% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Essex County had 8,754 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). See the full Essex County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Massachusetts carries a statewide average premium of $2,134 per year.
Key figures
| Median home value | $834,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Essex County | 8,754 |
| 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)