Homeowners Insurance in Lynn, MA
For a home at Lynn's median value of $510,100, we estimate about $2,005 a year — −6% versus the Massachusetts NAIC average of $2,134.
Estimated homeowners insurance cost in Lynn
Lynn's estimate reflects its home values (9% lower than the state median) and FEMA's hazard profile for Essex County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.
Natural hazard risk in Lynn
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 14.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 92.4 | Comprehensive; dwelling | |
| Hurricane | 93.3 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 97.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 97.8 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 88.7 | Comprehensive; dwelling | |
| Winter weather | 46.0 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 59.2 | Comprehensive; dwelling | |
| Earthquake | 94.9 | Home needs a separate earthquake policy | |
| Lightning | 95.0 | 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 Lynn
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $950 | $875 |
| $300,000 | $1,315 | $1,210 |
| $500,000 | $1,975 | $1,820 |
| $750,000 | $2,735 | $2,515 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Lynn
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 01902 | $478,000 | 36.9% | $1,905 |
| 01905 | $499,200 | 51.7% | $1,975 |
| 01904 | $560,500 | 82.4% | $2,165 |
Homeowners insurance in Massachusetts · Car insurance in Lynn · Insurance offices near Lynn
Frequently asked questions
How much is homeowners insurance in Lynn?
For a home at Lynn's median value of $510,100, we estimate about $2,005 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 Lynn?
FEMA's National Risk Index rates Essex County relatively high or very high for tornado, hurricane, inland (river) flooding, coastal flooding, strong wind, and lightning.
Does the age of homes in Lynn affect insurance?
Yes. The median home in Lynn was built in 1946 (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 Essex 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 (Essex County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)