Home Insurance in Hampshire County, Massachusetts
With a median home value of $390,300, Hampshire County is 31% lower than the Massachusetts median.
The typical home in Hampshire County was built around 1969. About 41% of homes were built before 1960, about 5 points below Massachusetts's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Hampshire County is 65% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 60% of owner-occupied homes in Hampshire County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Hampshire County are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hampshire County, 31% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists hurricane (Relatively Moderate), inland flooding (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Hampshire County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Hampshire County has 412 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Massachusetts is $2,134 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $390,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 412 |
| 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)