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Flood insurance cost · Middlesex County, MA

Flood insurance cost in Middlesex County, Massachusetts

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,629 home policies in force on August 31, 2026.

Middlesex County, MassachusettsPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$984a year

Half of insured homes paid between $642 and $1,402. That is 30% less than the Massachusetts median ($1,407). The most common flood zone for insured homes here is zone AE (47%).

$0$642 · $984 · $1,402$1,752
+2.1% vs Aug 31, 2025 (median $964)
3,629home policies in force
$1,098average cost (mean)
53%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.

Cost by flood zone in Middlesex County

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 AE
High risk		$1,296$936–$1,751$1,3851,714 (47%)+3.1%
Zone A
High risk		$765$618–$1,052$930218 (6%)−7.5%
Zone X
Moderate to low risk		$708$492–$1,102$8291,695 (47%)+1.1%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 Middlesex County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,981$963$1,069
2–4 unit building265$1,398$1,518
Condo or apartment unit380$770$1,032
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.		336$3,238$5,093
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		488$3,062$3,951

Not shown (fewer than 10 policies): manufactured (mobile) home.

4,453NFIP policies in force, any building
6,844insured units (condo association policies count every unit)
71%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Middlesex County

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 force3,6303,629±0.0%
Median annual cost$964$984+2.1%
Average annual cost$1,046$1,098+5.0%
All policies in force (any building)4,4474,453+0.1%

How many homes have flood insurance?

1.0%of all homes in Middlesex County have an NFIP policy
53.5%of homes in high-risk zones (special flood hazard area) have one
390,642residential buildings counted by FEMA
4,035of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Middlesex County, Massachusetts have filed 3,767 flood claims. 2,958 received a payment, for a total of $36.6 million (an average of $12,369 per paid claim). The year with the most claims was 2010 (658 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 201 claims, 172 paid, $1,723,946 in total1979: 358 claims, 300 paid, $1,583,125 in total19791980: 19 claims, 12 paid, $23,267 in total19801981: 25 claims, 17 paid, $32,897 in total1982: 218 claims, 175 paid, $571,174 in total1983: 43 claims, 24 paid, $55,393 in total1984: 69 claims, 30 paid, $79,913 in total1985: 30 claims, 13 paid, $271,795 in total1987: 167 claims, 117 paid, $491,313 in total1990: 21 claims, 11 paid, $141,122 in total19901991: 27 claims, 22 paid, $234,740 in total1992: 10 claims1993: 32 claims, 20 paid, $196,541 in total1994: 12 claims1996: 284 claims, 218 paid, $2,992,694 in total1998: 192 claims, 137 paid, $1,474,781 in total1999: 18 claims20002001: 309 claims, 247 paid, $2,242,591 in total2003: 12 claims2004: 94 claims, 88 paid, $358,009 in total2005: 90 claims, 80 paid, $248,852 in total2006: 332 claims, 297 paid, $7,719,960 in total20062007: 84 claims, 77 paid, $1,370,605 in total2008: 66 claims, 63 paid, $186,254 in total2009: 34 claims, 31 paid, $130,507 in total2010: 658 claims, 551 paid, $10,340,017 in total201020102011: 40 claims, 26 paid, $180,538 in total2012: 22 claims, 13 paid, $157,370 in total2013: 10 claims2014: 54 claims, 40 paid, $333,144 in total2015: 14 claims2017: 24 claims, 18 paid, $261,902 in total2018: 12 claims, 10 paid, $163,560 in total20202021: 38 claims, 28 paid, $783,357 in total2023: 56 claims, 46 paid, $908,359 in total2024: 26 claims, 15 paid, $151,976 in total
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 (36)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242615$151,976$10,132
20235646$908,359$19,747
20213828$783,357$27,977
20181210$163,560$16,356
20172418$261,902$14,550
201514<10––
20145440$333,144$8,329
201310<10––
20122213$157,370$12,105
20114026$180,538$6,944
2010658551$10,340,017$18,766
20093431$130,507$4,210
20086663$186,254$2,956
20078477$1,370,605$17,800
2006332297$7,719,960$25,993
20059080$248,852$3,111
20049488$358,009$4,068
200312<10––
2001309247$2,242,591$9,079
199918<10––
1998192137$1,474,781$10,765
1996284218$2,992,694$13,728
199412<10––
19933220$196,541$9,827
199210<10––
19912722$234,740$10,670
19902111$141,122$12,829
1987167117$491,313$4,199
19853013$271,795$20,907
19846930$79,913$2,664
19834324$55,393$2,308
1982218175$571,174$3,264
19812517$32,897$1,935
19801912$23,267$1,939
1979358300$1,583,125$5,277
1978201172$1,723,946$10,023

From 2016 to 2026: 156 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.

Main NFIP communities in the county

Newton (377 home policies) · Framingham (205 home policies) · Cambridge (187 home policies) · Arlington (182 home policies) · Billerica (170 home policies) · Lowell (150 home policies)