Home Insurance in Bridgewater Town, Massachusetts
Homes in Bridgewater Town carry a median value of $533,100 - close to the Plymouth County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bridgewater Town was built around 1984. About 20% of homes were built before 1960, about 17 points below Plymouth County's 37%.
The housing stock in Bridgewater Town is 71% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 67% of owner-occupied homes in Bridgewater Town have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Bridgewater Town are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Bridgewater Town are primarily heated with natural gas.
Plymouth County had 8,072 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). See the full Plymouth 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 | $533,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Plymouth County | 8,072 |
| Home insurance premium | $2,134 - statewide average (NAIC, 2023 data) |
Nearby towns
- Taunton
- Brockton
- Randolph Town
- Braintree Town
- Weymouth Town
- Attleboro
- Fall River
- North Attleborough Town
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)