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Flood insurance cost · Plymouth County, MA

Flood insurance cost in Plymouth County, Massachusetts

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,995 home policies in force on August 31, 2026.

Plymouth County, MassachusettsPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,559a year

Half of insured homes paid between $1,100 and $2,302. That is 11% more than the Massachusetts median ($1,407). Most insured homes here are rated in zone AE (59%).

$0$1,100 · $1,559 · $2,302$2,878
+8.6% vs Aug 31, 2025 (median $1,436)
6,995home policies in force
$1,875average cost (mean)
87%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 Plymouth 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 VE / V
High risk, coastal		$1,884$1,254–$3,002$2,3701,429 (20%)+8.5%
Zone AE
High risk		$1,678$1,210–$2,388$1,9354,132 (59%)+9.7%
Zone A
High risk		$988$752–$1,250$1,043164 (2%)+7.6%
Zone AO
High risk, shallow		$1,634$1,143–$2,242$1,731354 (5%)+3.4%
Zone X
Moderate to low risk		$1,030$650–$1,337$1,031915 (13%)+8.2%

Not shown (fewer than 10 home policies): 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 Plymouth County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home6,667$1,570$1,887
2–4 unit building217$1,662$1,953
Manufactured (mobile) home13$1,572$1,738
Condo or apartment unit98$687$900
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.		143$3,242$5,022
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		293$3,298$4,375
7,431NFIP policies in force, any building
8,093insured units (condo association policies count every unit)
57%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Plymouth 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 force7,1436,995−2.1%
Median annual cost$1,436$1,559+8.6%
Average annual cost$1,746$1,875+7.4%
All policies in force (any building)7,5767,431−1.9%

How many homes have flood insurance?

4.3%of all homes in Plymouth County have an NFIP policy
51.9%of homes in high-risk zones (special flood hazard area) have one
165,654residential buildings counted by FEMA
11,912of 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 Plymouth County, Massachusetts have filed 11,003 flood claims. 9,137 received a payment, for a total of $153.4 million (an average of $16,785 per paid claim). The year with the most claims was 1991 (3,228 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 996 claims, 929 paid, $8,977,207 in total19781979: 422 claims, 341 paid, $655,414 in total1980: 19 claims, 14 paid, $22,676 in total19801981: 36 claims, 25 paid, $37,716 in total1982: 157 claims, 126 paid, $231,216 in total1983: 117 claims, 73 paid, $137,405 in total1984: 143 claims, 80 paid, $224,719 in total1985: 23 claims1986: 25 claims1987: 685 claims, 489 paid, $2,708,953 in total1989: 15 claims1990: 14 claims19901991: 3,228 claims, 2,945 paid, $67,774,622 in total19911992: 1,115 claims, 940 paid, $9,401,406 in total19921993: 53 claims, 33 paid, $222,495 in total1994: 30 claims, 11 paid, $23,765 in total1996: 115 claims, 64 paid, $298,151 in total1997: 98 claims, 74 paid, $851,700 in total1998: 59 claims, 41 paid, $118,989 in total1999: 10 claims2000: 22 claims, 12 paid, $54,280 in total20002001: 335 claims, 256 paid, $2,160,888 in total2002: 18 claims, 15 paid, $130,031 in total2003: 255 claims, 199 paid, $2,093,906 in total2004: 13 claims2005: 298 claims, 260 paid, $3,070,639 in total2006: 133 claims, 114 paid, $898,228 in total2007: 146 claims, 123 paid, $2,016,889 in total2008: 11 claims2009: 10 claims2010: 595 claims, 478 paid, $8,596,952 in total20102011: 20 claims, 11 paid, $102,879 in total2012: 47 claims, 21 paid, $269,488 in total2013: 532 claims, 463 paid, $11,645,338 in total2014: 47 claims, 37 paid, $629,135 in total2015: 270 claims, 221 paid, $6,238,930 in total2016: 17 claims, 13 paid, $144,065 in total2017: 14 claims2018: 731 claims, 604 paid, $21,646,569 in total20202021: 39 claims, 23 paid, $882,283 in total2022: 14 claims, 10 paid, $293,665 in total2024: 32 claims, 20 paid, $248,514 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 (42)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243220$248,514$12,426
20221410$293,665$29,366
20213923$882,283$38,360
2018731604$21,646,569$35,839
201714<10––
20161713$144,065$11,082
2015270221$6,238,930$28,230
20144737$629,135$17,004
2013532463$11,645,338$25,152
20124721$269,488$12,833
20112011$102,879$9,353
2010595478$8,596,952$17,985
200910<10––
200811<10––
2007146123$2,016,889$16,397
2006133114$898,228$7,879
2005298260$3,070,639$11,810
200413<10––
2003255199$2,093,906$10,522
20021815$130,031$8,669
2001335256$2,160,888$8,441
20002212$54,280$4,523
199910<10––
19985941$118,989$2,902
19979874$851,700$11,509
199611564$298,151$4,659
19943011$23,765$2,160
19935333$222,495$6,742
19921,115940$9,401,406$10,001
19913,2282,945$67,774,622$23,013
199014<10––
198915<10––
1987685489$2,708,953$5,540
198625<10––
198523<10––
198414380$224,719$2,809
198311773$137,405$1,882
1982157126$231,216$1,835
19813625$37,716$1,509
19801914$22,676$1,620
1979422341$655,414$1,922
1978996929$8,977,207$9,663

From 2016 to 2026: 847 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.

ZIP codes in Plymouth County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Hull (1,400 home policies) · Scituate (1,211 home policies) · Marshfield (1,169 home policies) · Wareham (1,120 home policies) · Mattapoisett (546 home policies) · Marion (348 home policies)