Home Insurance in Leominster, Massachusetts
With a median home value of $380,400, Leominster is 10% lower than the Worcester County median.
The typical home in Leominster was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 3 points below Worcester County's 44%.
Housing in Leominster breaks down to 52% single-family homes, 27% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Leominster, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Leominster has an owner-occupancy rate of 62% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Leominster, 36% of homes are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Leominster? FEMA's National Risk Index points to strong wind (Relatively High) in Worcester County and Worcester County had 1,485 active NFIP flood policies as of September 2026. See the full Worcester County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $380,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Worcester County | 1,485 |
| 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)