Home Insurance in Hampden County, Massachusetts
Homes in Hampden County carry a median value of $298,800 - 47% lower than the Massachusetts median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hampden County was built around 1959. About 52% of homes were built before 1960, about 6 points above Massachusetts's 46%.
In Hampden County, the housing stock is 61% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Hampden County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Hampden County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hampden County, 49% 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.
The top hazards for Hampden County, per FEMA's National Risk Index, are inland flooding (Relatively High), hurricane (Relatively High) and strong wind (Relatively High).
Hampden County had 615 active National Flood Insurance Program policies as of September 2026. 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 | $298,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Hurricane (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 615 |
| Home insurance premium | $2,134 - statewide average (NAIC, 2023 data) |
Towns and cities
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)