Home Insurance in Easthampton, Massachusetts
The median home value in Easthampton is $371,500, close to the Hampshire County median.
The typical home in Easthampton was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 3 points above Hampshire County's 41%.
The housing stock in Easthampton is 56% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Easthampton, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Easthampton has an owner-occupancy rate of 58% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Easthampton, 39% of homes are primarily heated with natural gas. Homes heated with propane and 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 Easthampton? 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 | $371,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)