Home Insurance in Braintree Town, Massachusetts
With a median home value of $656,800, Braintree Town is close to the Norfolk County median.
The typical home in Braintree Town was built around 1957. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, about 9 points above Norfolk County's 45%.
Housing in Braintree Town breaks down to 69% single-family homes and 22% apartments in buildings with 5+ units.
About 68% of owner-occupied homes in Braintree Town have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Braintree Town has an owner-occupancy rate of 78% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Braintree Town - 51% - 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 Norfolk County's overall risk as Relatively Moderate, led by inland flooding (Relatively High). Norfolk County had 5,629 active NFIP flood policies as of September 2026. See the full Norfolk County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Massachusetts carries a statewide average premium of $2,134 per year.
Key figures
| Median home value | $656,800 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Norfolk County | 5,629 |
| 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)