Homeowners Insurance in Cambridge, MA
For a home at Cambridge's median value of $1,092,100, we estimate about $3,715 a year — +74% versus the Massachusetts NAIC average of $2,134.
Estimated homeowners insurance cost in Cambridge
Cambridge's estimate reflects its home values (94% higher than the state median) and FEMA's hazard profile for Middlesex County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.
Natural hazard risk in Cambridge
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 23.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 90.1 | Comprehensive; dwelling | |
| Hurricane | 95.5 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 98.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 56.2 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 94.1 | Comprehensive; dwelling | |
| Winter weather | 67.2 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 72.8 | Comprehensive; dwelling | |
| Earthquake | 96.1 | Home needs a separate earthquake policy | |
| Lightning | 96.3 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Cambridge
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $955 | $880 |
| $300,000 | $1,320 | $1,215 |
| $500,000 | $1,990 | $1,830 |
| $750,000 | $2,750 | $2,530 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Cambridge
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 02139 | $1,087,500 | 32.2% | $3,700 |
| 02138 | $1,212,400 | 41.9% | $4,040 |
| 02140 | $1,149,800 | 34.9% | $3,870 |
| 02141 | $868,100 | 25.5% | $3,090 |
| 02142 | $1,954,500 | 6.9% | $5,920 |
Homeowners insurance in Massachusetts · Car insurance in Cambridge · Insurance offices near Cambridge
Frequently asked questions
How much is homeowners insurance in Cambridge?
For a home at Cambridge's median value of $1,092,100, we estimate about $3,715 a year for a standard HO-3 policy with a $1,000 deductible. The Massachusetts NAIC average is $2,134.
What are the biggest natural hazards in Cambridge?
FEMA's National Risk Index rates Middlesex County relatively high or very high for hurricane, inland (river) flooding, strong wind, and lightning.
Does the age of homes in Cambridge affect insurance?
Yes. The median home in Cambridge was built in 1950 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Massachusetts, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Middlesex County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Middlesex County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)