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Massachusetts insurance agent says rates could go up across country after California fires

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Massachusetts insurance agent says rates could go up across country after California fires


NORWOOD – As harrowing images of homes burning to the ground come in day after day from California, Massachusetts homeowners are understandably questioning whether they are prepared and properly insured should a catastrophe hit our coast.

“There’s a ripple effect”  

“Whenever you see catastrophic losses like they’re seeing in California right now, there’s going to be ramification, repercussions across the country, if not across the world,” explained local insurance agent and former chair of the Mass. Association of Insurance Agents, Patrick Dempsey of Norwood.

“That could mean rates go up for people across the country, even though it’s not happening in our backyard. It’s happening to a market that’s going to impact ours here. So, there’s a ripple effect for sure,” he said.

Dempsey explained that insurance companies are not equipped to cover sudden losses of hundreds of billions of dollars, and in a time like we’re seeing in California, they tap into their own insurance companies in the “reinsurance” industry.

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Fortunately for now, Massachusetts doesn’t seem poised to experience fires like the West Coast does as weather intensifies worldwide. “[Fires] haven’t really been prominent here, although we did have some this past year in kind of the Milton Blue Hills area there. There were legitimate forest fire concerns,” he said.

One huge challenge in California right now, Dempsey explained, is that the state “has been noted to go through some struggles in the recent past with certain larger carriers kind of pulling back in large scale.”

Massachusetts safety net

Since insurance is governed on a state level, Dempsey feels Massachusetts residents should be comforted by our state’s safety net. 

“I think it is a little bit of a feather in the cap for Massachusetts, that the Insurance Commissioner’s office and the companies work quite well together in the sense that they’re not taking aggressive rates that are unnecessary, but they’re keeping the companies in a way that they’re bringing enough premiums to pay out the claims. It’s a delicate balance,” he said. “Other states might be jealous of how well it’s being done right now, and I’m proud that that’s going so well in our state, so hopefully good things in the future.”

Dempsey’s advice to Massachusetts homeowners is likely not surprising, given that he is a local agent. He recommends staying local and using an agent to find the home insurance policy that’s right for you.

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“When you deal with an agent, they can really take you through these steps, and they also know their backyard,” he said. “You know, if I’m writing a policy in Norwood, I’ll know when certain homes are going to be near, say, a brook or a stream that might put it in a flood zone.”



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Massachusetts

People are moving out of Massachusetts but the population still grew

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People are moving out of Massachusetts but the population still grew


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More people left Massachusetts than moved in from 2024 to 2025, with the state ranking fourth in the nation for net domestic migration loss, according to data from the U.S. Census Bureau.

Thousands of residents left the Bay State for other states during that period. Regionally, the Northeast experienced a net domestic migration loss of 205,552, according to the data.

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Despite the domestic outflow, Massachusetts’ population still grew by 15,524 when factoring in births, deaths, and international migration.

Here’s what to know about the states with the highest and lowest net domestic migration across the country:

Massachusetts’ net domestic, international migration from 2024 to 2025

From July 1, 2024, to July 1, 2025, Massachusetts had a net domestic migration of -33,340, with 33,340 more people moving out of the state than moving in, according to data from the U.S. Census Bureau.

Meanwhile, the state had a net international migration of 40,240, as 40,240 more people moved into Massachusetts from abroad than left.

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States with highest net domestic migration from 2024 to 2025

Here were the states with the highest net domestic migration from July 1, 2024, to July 1, 2025, according to U.S. Census data:

  1. North Carolina: 84,064 residents
  2. Texas: 67,299 residents
  3. South Carolina: 66,622 residents
  4. Tennessee: 42,389 residents
  5. Arizona: 31,107 residents
  6. Georgia: 27,333 residents
  7. Alabama: 23,358 residents
  8. Florida: 22,517 residents
  9. Idaho: 19,915 residents
  10. Nevada: 14,914 residents

States with lowest net domestic migration from 2024 to 2025

Here were the states with the lowest net domestic migration from July 1, 2024, to July 1, 2025, according to U.S. Census data:

  1. California: -229,077 residents
  2. New York: -137,586 residents
  3. Illinois: -40,017 residents
  4. New Jersey: -37,428 residents
  5. Massachusetts: -33,340 residents
  6. Louisiana: -14,387 residents
  7. Maryland: -12,127 residents
  8. Colorado: -12,100 residents
  9. Hawaii: -8,876 residents
  10. Connecticut: -5,945 residents

New England states’ net domestic migration from 2024 to 2025

Here’s how New England states ranked on net domestic migration from July 1, 2024, to July 1, 2025, according to U.S. Census data:

  1. Maine: 7,406 residents (ranked 18th nationally)
  2. New Hampshire: 6,554 residents (ranked 22nd nationally)
  3. Vermont: -726 residents (ranked 34th nationally)
  4. Rhode Island: -1,551 residents (ranked 36th nationally)
  5. Connecticut: -5,945 residents (ranked 42nd nationally)
  6. Massachusetts: -33,340 residents (ranked 47th nationally)

Census regions with highest net domestic migration from 2024 to 2025

Here’s how the four Census regions ranked on net domestic migration from July 1, 2024, to July 1, 2025, according to U.S. Census data:

  1. South: 357,790 residents
  2. Midwest: 16,040 residents
  3. West: -168,278 residents
  4. Northeast: -205,552 residents



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Planning a staycation? Tripadvisor recommends this MA city

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Planning a staycation? Tripadvisor recommends this MA city


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Are you thinking about spending some time off but don’t want to splurge on a big international vacation?

A summer 2025 report found that many Americans are choosing nearby staycations over changing time zones.

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And Tripadvisor said one of the best travel experiences you could have in the United States would actually be a guided walking tour in Salem, Massachusetts, and the Freedom Trail walking tour in Boston.

As part of 2025 Travelers’ Choice Awards: Best of the Best Things To Do, Tripadvisor said that History and Hauntings of Salem Guided Walking Tour is the second-best experience in the U.S.

As we move on from 2025 onto 2026, here’s what you need to know about this Bay State travel opportunity.

Tripadvisor said Salem has the second best experience in the U.S.

Tripadvisor said the History and Hauntings of Salem Guided Walking Tour is one of the best experiences in the United States. Its AI summary tool said the tour guides paint a vivid portrait of one of America’s most macabre towns.

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Here’s what Tripadvisor said about it: “There are many Salem tours out there but few are as compelling as this one, led by a local historian who brings alive the city’s history at the time of day you choose. For a spookier experience, pick a nighttime tour led by lantern light. Visit the Burying Point Cemetery, Witch House, and Ropes Mansion garden as your guide tells stories of the haunted history of Salem, Massachusetts.”

The itinerary says the tour begins at Salem Old Town Hall and ends at Hamilton Hall, visiting sites like the Bewitched statue of Elizabeth Montgomery and The Witch House at Salem on the way.

You can book History and Hauntings of Salem Guided Walking Tour at this link here. Be aware that this event is booked 23 days in advance, the tour’s Tripadvisor page said.

Kathleen Wong contributed to the reporting of this story. Rin Velasco is a trending reporter. She can be reached at rvelasco@gannett.com.

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Massachusetts beach towns look to ease ‘overly strict’ conservation rules: ‘Common sense’

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Massachusetts beach towns look to ease ‘overly strict’ conservation rules: ‘Common sense’


As certain shorebirds rebound in population along the Massachusetts coast, beach towns are pushing for the state to strike a healthier balance between conservation and recreation.

State Rep. Kenneth Sweezey, a South Shore Republican, is leading the charge on Beacon Hill, authoring legislation to untangle what he describes as “overly strict” regulations hindering his region’s access to its beaches.

Over the years, Duxbury Beach, in particular, has borne the brunt of protecting recovering bird species, including piping plovers and terns, limiting business and recreational opportunities at the prominent South Shore coastline.

The Duxbury Beach Reservation, a private landlord, has had to close certain roads and portions of the shoreline while birds are nesting. Residents and visitors are also required to have an oversand vehicle permit, which costs more than $150, for beach access.

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Under one of Sweezey’s proposals, the state Division of Fisheries and Wildlife would only restrict over-sand vehicle access or other recreational activities if the bird species is listed as endangered or threatened under the federal Endangered Species Act.

Sweezey has said that piping plovers are the only species nesting on Duxbury Beach, which his district includes, that are federally endangered, while other birds carry a state designation.

“Birds may be federally protected because they’re doing poorly in one region of the nation, even though they may be thriving in the Commonwealth,” Sweezey said at the State House last week. “Those differences sort of create problems when you’re looking at human access, recreational opportunities on the beaches and conservation on the beach.”

Sweezey made his appeal to the Joint Committee on Environment and Natural Resources, touting shorebird management expert Chris Kennedy for helping him craft his proposals.

Kennedy, a wildlife biologist who has worked for the state Environmental Police and Division of Fisheries and Wildlife over the decades, is championing an equal balance between conservation and recreation.

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In response to a post in the ‘Save Duxbury Beach’ Facebook page, Kennedy highlighted how the Bay State has seen a nearly “tenfold” jump in nesting plovers since 1986, going from 140 to over 1,200 last year. Roseate and common terns are also “strongly increasing,” while least terns are “slowly climbing.”

“Reasonable public access is not anti-birds,” Kennedy stated. “It is simply common sense.”

The 1,221 nesting pairs of plovers identified in 2025 marked a record high for the species’ population, up even from the 1,196 in 2024, numbers show.

According to the state’s Natural Heritage & Endangered Species Program, Duxbury Beach had 149 days of recreational activity last year.

Sweezey is also calling state regulators to conduct a review of their recreational management guidelines that protect piping plovers, terns and their habitats across the state at least once every two years. Part of that process would include two public hearings.

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Patrick Parquette, a government affairs officer for the Massachusetts Striped Bass Association, called the state’s current shorebird management program “long outdated,” having been adopted in 1993.

Parquette pointed out how, decades ago, nests of certain shorebirds needed to be a minimum of an eighth of a mile apart. Today, species, including the piping plover, are nesting within 100 feet of each other.

“At the time, it was based on the best thinking that we had,” he said. “I don’t think there’s a reasonable human being in this building, no matter the ilk or philosophy they come from, that would say that our knowledge base 33 years ago could compare with today’s knowledge base.”

Andrew Marshall, founder of the Save Duxbury Beach nonprofit advocacy group, centers his concerns around climate change and its effects on the Plymouth County town of roughly 16,000.

“We’re being unfairly punished due to climate change, with some of these southern birds moving up to the north here,” Marshall told lawmakers. “These birds aren’t rare or threatened. They’re just new in our area.”

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A third piece of legislation that Sweezey has crafted would ban state regulators from prohibiting any beach management program from using all legally authorized shorebird nesting mitigation tools under the state’s habitat conservation plan.

Sweezey said a goal of the bill would be to promote parity among Massachusetts beaches.

“These bills,” the representative said, “are critically important to our environment, our coastal traditions and local economies down in Duxbury, but really along the entire coast.”

A woman takes in the shoreline view at Duxbury Beach. (Staff Photo By Faith Ninivaggi/Boston Herald/Media News Group, File)



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