Home Insurance in Plymouth County, Massachusetts
Homes in Plymouth County carry a median value of $556,000 - close to the Massachusetts median.
The typical home in Plymouth County was built around 1971. About 37% of homes were built before 1960, about 9 points below Massachusetts's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Plymouth County breaks down to 75% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in Plymouth County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Plymouth County are owner-occupied.
47% of homes in Plymouth County are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Plymouth County, per FEMA's National Risk Index, are coastal flooding (Very High), inland flooding (Relatively Moderate) and strong wind (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Plymouth County has 8,072 active NFIP flood policies on file.
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 | $556,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Coastal Flooding (Very High), Inland Flooding (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 8,072 |
| 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)