Homeowners Insurance & Natural Hazard Costs in Quincy
Quincy carries real, disclosed, and currently active coastal flood risk along its Boston Harbor shoreline -- a genuine, distinct hazard among this pass's four Massachusetts Tier A markets.
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Learn moreReal, current coastal flood risk
Approximately 28.8% of Quincy properties currently carry flood risk, rising to 33% (roughly 7,019 properties) over the next 30 years -- Quincy saw real, documented serious flooding in the 2018 nor'easters and a July 2025 flash flood.
A separate flood insurance policy is often required
Properties in a Special Flood Hazard Area (SFHA) generally require a separate flood insurance policy beyond a standard homeowners policy -- confirm current flood-zone status directly for any target Quincy address.
Massachusetts's statewide insurance range applies otherwise
No Quincy-specific homeowners premium data distinct from the statewide Massachusetts range ($1,226-$2,634/year) was found this pass -- confirm current, address-specific quotes directly with a carrier.
Key takeaways
- Quincy carries real, current coastal flood risk -- 28.8% of properties today, rising to 33% over 30 years.
- A separate flood insurance policy is often required for Quincy properties in a Special Flood Hazard Area.
- Massachusetts's statewide insurance range ($1,226-$2,634/year) applies otherwise; confirm quotes directly.
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