Home Insurance in Randolph Town, Massachusetts
Homes in Randolph Town carry a median value of $496,400 - 27% lower than the Norfolk County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Randolph Town was built around 1966. About 38% of homes were built before 1960, about 8 points below Norfolk County's 45%.
In Randolph Town, the housing stock is 73% single-family homes and 19% apartments in buildings with 5+ units.
69% of owner-occupied homes in Randolph Town carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Randolph Town 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. 55% of homes in Randolph Town are primarily heated with natural gas.
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.
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 | $496,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)