Home Insurance in Amherst Town, Massachusetts
Homes in Amherst Town carry a median value of $484,900 - 24% higher than the Hampshire County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Amherst Town was built around 1975. About 29% of homes were built before 1960, about 12 points below Hampshire County's 41%.
In Amherst Town, the housing stock is 48% single-family homes and 38% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Amherst Town, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 44% of occupied homes in Amherst Town 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 Amherst Town, 35% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Amherst Town? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Hampshire County and Hampshire County had 412 active NFIP flood policies as of September 2026. See the full Hampshire County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $484,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Hampshire County | 412 |
| 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)