Home Insurance in West Springfield Town, Massachusetts
Homes in West Springfield Town carry a median value of $321,500 - 8% higher than the Hampden County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in West Springfield Town was built around 1958. About 52% of homes were built before 1960, in line with Hampden County (52%).
Housing in West Springfield Town breaks down to 57% single-family homes, 24% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in West Springfield Town have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in West Springfield Town are owner-occupied.
Most homes in West Springfield Town - 57% - 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.
What's the biggest home insurance risk near West Springfield Town? FEMA's National Risk Index points to inland flooding (Relatively High) in Hampden County and Hampden County had 615 active NFIP flood policies as of September 2026. See the full Hampden 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 | $321,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Hampden County | 615 |
| 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)