Home Insurance in Newton, Massachusetts
Homes in Newton carry a median value of $1,264,900 - 74% higher than the Middlesex County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Newton was built around 1942. About 67% of homes were built before 1960, about 19 points above Middlesex County's 48%.
The housing stock in Newton is 62% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Newton, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Newton has an owner-occupancy rate of 70% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Newton - 71% - 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.
Middlesex County had 6,818 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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 | $1,264,900 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)