"Massachusetts homeowners face mid-range insurance premiums compared with other states. While far more affordable than Gulf Coast markets like Florida and Louisiana, Massachusetts households still pay more than some of their New England neighbors. According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Massachusetts homeowners with a mortgage typically pay $1,500-$1,999 annually for homeowners insurance, while those without a mortgage average $1,500-$1,999 as well. Overall statewide costs fall in the $1,000-$1,499 range."
"Massachusetts has 1,765,324 insured homeowner households in total-1,156,846 with a mortgage and 608,478 without. Among mortgaged owners, 102,652 pay less than $100 annually and 107,006 pay $4,000 or more. Among those without a mortgage, 86,205 pay less than $100 and 45,802 pay $4,000 or more."
Massachusetts homeowners generally pay mid-range homeowners insurance premiums compared with other states, more affordable than Gulf Coast markets like Florida and Louisiana but higher than some New England neighbors. U.S. Census Bureau American Community Survey data show homeowners with and without mortgages typically pay $1,500–$1,999 annually, while overall statewide costs fall in the $1,000–$1,499 range. The state has 1,765,324 insured homeowner households, with 1,156,846 holding mortgages and 608,478 without. Significant payment variation exists: thousands pay under $100 annually while many others pay $4,000 or more. Realtor.com 2025 Climate Risk Report provides additional context on risk exposure.
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