Home Insurance in Norfolk County, Massachusetts
Homes in Norfolk County carry a median value of $683,900 - 22% higher than the Massachusetts median.
The typical home in Norfolk County was built around 1964. About 45% of homes were built before 1960, about 1 point below Massachusetts's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Norfolk County breaks down to 62% single-family homes and 25% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Norfolk County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Norfolk County are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Norfolk County are primarily heated with natural gas.
Per FEMA's National Risk Index, Norfolk County's top hazards are inland flooding (Relatively High), hurricane (Relatively Moderate) and earthquake (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Norfolk County has 5,629 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Massachusetts, the statewide average premium for a standard HO-3 homeowners policy is $2,134 per year (NAIC, 2023 data).
Key figures
| Median home value | $683,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Hurricane (Relatively Moderate), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 5,629 |
| 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)