Home Insurance in Everett, Massachusetts
Homes in Everett carry a median value of $610,000 - 16% lower than the Middlesex County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Everett was built in 1939 or earlier. About 67% of homes were built before 1960, about 19 points above Middlesex County's 48%.
In Everett, the housing stock is 26% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 76% of owner-occupied homes in Everett 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 37% of occupied homes in Everett are owner-occupied.
Most homes in Everett - 67% - 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.
FEMA rates Middlesex County's overall risk as Relatively High, led by inland flooding (Relatively High). Middlesex County had 6,818 active NFIP flood policies as of September 2026. See the full Middlesex County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $610,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Middlesex County | 6,818 |
| 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)