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Flood insurance cost · MA

Flood insurance cost in Massachusetts

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 34,220 home policies in force on August 31, 2026.

MassachusettsPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,407a year

Half of insured homes paid between $933 and $1,981. That is 30% more than the national median ($1,082). Most insured homes here are rated in zone AE (56%).

$0$933 · $1,407 · $1,981$2,476
+8.4% vs Aug 31, 2025 (median $1,298)
34,220home policies in force
$1,663average cost (mean)
73%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Massachusetts, county by county.

Cost by flood zone in Massachusetts

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,849$1,254–$2,934$2,3444,150 (12%)+8.2%
Zone AE
High risk		$1,643$1,164–$2,139$1,86319,283 (56%)+9.3%
Zone A
High risk		$939$714–$1,276$1,062882 (3%)−0.9%
Zone AO
High risk, shallow		$1,635$1,164–$2,105$1,687613 (2%)+4.9%
Zone AH
High risk, shallow		$2,799$2,431–$3,399$2,78762 (0%)+14.3%
Zone X
Moderate to low risk		$910$604–$1,293$9899,230 (27%)+2.0%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Massachusetts, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home29,078$1,422$1,691
2–4 unit building2,988$1,644$1,902
Manufactured (mobile) home50$1,385$1,505
Condo or apartment unit2,104$802$948
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		2,540$3,229$5,467
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		3,490$3,592$4,885
40,250NFIP policies in force, any building
56,778insured units (condo association policies count every unit)
66%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Massachusetts

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force35,06334,220−2.4%
Median annual cost$1,298$1,407+8.4%
Average annual cost$1,555$1,663+6.9%
All policies in force (any building)41,15140,250−2.2%

Flood claims history

Since 1978, NFIP policyholders in Massachusetts have filed 35,375 flood claims. 27,705 received a payment, for a total of $441.4 million (an average of $15,933 per paid claim). The year with the most claims was 1991 (7,192 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 2,814 claims, 2,503 paid, $20,787,314 in total19781979: 2,154 claims, 1,778 paid, $5,930,242 in total1980: 135 claims, 83 paid, $423,920 in total19801981: 199 claims, 122 paid, $380,322 in total1982: 884 claims, 679 paid, $2,384,499 in total1983: 414 claims, 236 paid, $938,514 in total1984: 550 claims, 300 paid, $1,296,281 in total1985: 246 claims, 116 paid, $1,231,877 in total1986: 78 claims, 24 paid, $44,543 in total1987: 1,729 claims, 1,222 paid, $7,186,736 in total1988: 126 claims, 57 paid, $974,424 in total1989: 58 claims, 19 paid, $212,117 in total1990: 204 claims, 108 paid, $1,290,811 in total19901991: 7,192 claims, 6,274 paid, $126,119,270 in total19911992: 2,204 claims, 1,804 paid, $18,418,626 in total1993: 261 claims, 154 paid, $2,004,732 in total1994: 98 claims, 35 paid, $360,078 in total1995: 65 claims, 36 paid, $599,766 in total1996: 1,304 claims, 893 paid, $8,580,938 in total1997: 187 claims, 128 paid, $1,236,737 in total1998: 650 claims, 423 paid, $5,021,015 in total1999: 125 claims, 77 paid, $617,278 in total2000: 89 claims, 54 paid, $232,741 in total20002001: 1,079 claims, 792 paid, $6,538,980 in total2002: 65 claims, 44 paid, $571,332 in total2003: 424 claims, 310 paid, $3,171,132 in total2004: 324 claims, 263 paid, $1,745,048 in total2005: 1,013 claims, 848 paid, $14,468,615 in total2006: 1,453 claims, 1,277 paid, $35,998,816 in total2007: 554 claims, 465 paid, $11,185,551 in total2008: 215 claims, 165 paid, $2,299,960 in total2009: 128 claims, 85 paid, $833,367 in total2010: 2,555 claims, 2,007 paid, $33,855,121 in total201020102011: 507 claims, 357 paid, $7,913,990 in total2012: 272 claims, 175 paid, $3,258,912 in total2013: 822 claims, 670 paid, $18,686,878 in total2014: 236 claims, 172 paid, $2,035,899 in total2015: 465 claims, 363 paid, $10,175,884 in total2016: 69 claims, 42 paid, $1,229,766 in total2017: 170 claims, 106 paid, $1,237,888 in total2018: 2,047 claims, 1,651 paid, $56,271,199 in total2019: 71 claims, 33 paid, $490,766 in total2020: 73 claims, 27 paid, $493,889 in total20202021: 228 claims, 149 paid, $4,415,751 in total2022: 161 claims, 96 paid, $4,207,840 in total2023: 311 claims, 227 paid, $6,411,641 in total2024: 305 claims, 235 paid, $7,303,896 in total2025: 35 claims, 13 paid, $291,808 in total2026: 27 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202627<10––
20253513$291,808$22,447
2024305235$7,303,896$31,080
2023311227$6,411,641$28,245
202216196$4,207,840$43,832
2021228149$4,415,751$29,636
20207327$493,889$18,292
20197133$490,766$14,872
20182,0471,651$56,271,199$34,083
2017170106$1,237,888$11,678
20166942$1,229,766$29,280
2015465363$10,175,884$28,033
2014236172$2,035,899$11,837
2013822670$18,686,878$27,891
2012272175$3,258,912$18,622
2011507357$7,913,990$22,168
20102,5552,007$33,855,121$16,869
200912885$833,367$9,804
2008215165$2,299,960$13,939
2007554465$11,185,551$24,055
20061,4531,277$35,998,816$28,190
20051,013848$14,468,615$17,062
2004324263$1,745,048$6,635
2003424310$3,171,132$10,229
20026544$571,332$12,985
20011,079792$6,538,980$8,256
20008954$232,741$4,310
199912577$617,278$8,017
1998650423$5,021,015$11,870
1997187128$1,236,737$9,662
19961,304893$8,580,938$9,609
19956536$599,766$16,660
19949835$360,078$10,288
1993261154$2,004,732$13,018
19922,2041,804$18,418,626$10,210
19917,1926,274$126,119,270$20,102
1990204108$1,290,811$11,952
19895819$212,117$11,164
198812657$974,424$17,095
19871,7291,222$7,186,736$5,881
19867824$44,543$1,856
1985246116$1,231,877$10,620
1984550300$1,296,281$4,321
1983414236$938,514$3,977
1982884679$2,384,499$3,512
1981199122$380,322$3,117
198013583$423,920$5,107
19792,1541,778$5,930,242$3,335
19782,8142,503$20,787,314$8,305

From 2016 to 2026: 3,497 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Massachusetts

Counties with at least 100 NFIP home policies in force have their own page.

ZIP codes with the most insured homes