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Flood insurance cost · Worcester County, MA

Flood insurance cost in Worcester County, Massachusetts

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 976 home policies in force on August 31, 2026.

Worcester County, MassachusettsPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$894a year

Half of insured homes paid between $574 and $1,328. That is 36% less than the Massachusetts median ($1,407). The most common flood zone for insured homes here is zone AE (48%).

$0$574 · $894 · $1,328$1,660
+0.2% vs Aug 31, 2025 (median $892)
976home policies in force
$1,067average cost (mean)
59%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 Worcester 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		$1,162$822–$1,654$1,372469 (48%)+1.8%
Zone A
High risk		$874$674–$1,173$944103 (11%)+0.1%
Zone X
Moderate to low risk		$584$441–$970$744403 (41%)−3.8%

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 Worcester County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home778$824$978
2–4 unit building155$1,496$1,633
Condo or apartment unit37$446$563
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.		83$2,934$3,728
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		200$2,848$4,430

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

1,259NFIP policies in force, any building
1,487insured units (condo association policies count every unit)
60%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Worcester 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 force994976−1.8%
Median annual cost$892$894+0.2%
Average annual cost$1,041$1,067+2.5%
All policies in force (any building)1,2711,259−0.9%

How many homes have flood insurance?

0.5%of all homes in Worcester County have an NFIP policy
64.8%of homes in high-risk zones (special flood hazard area) have one
209,146residential buildings counted by FEMA
1,010of 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 Worcester County, Massachusetts have filed 769 flood claims. 558 received a payment, for a total of $12.6 million (an average of $22,506 per paid claim). The year with the most claims was 2005 (138 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 28 claims, 25 paid, $152,406 in total1979: 42 claims, 36 paid, $350,105 in total1980: 13 claims, 11 paid, $146,996 in total19801982: 44 claims, 34 paid, $356,761 in total19821983: 15 claims1984: 23 claims, 17 paid, $51,043 in total1985: 27 claims, 16 paid, $797,026 in total1987: 34 claims, 22 paid, $81,187 in total19901996: 17 claims1998: 25 claims, 19 paid, $140,107 in total20002001: 15 claims, 11 paid, $241,133 in total2004: 13 claims2005: 138 claims, 118 paid, $4,147,411 in total20052007: 23 claims, 22 paid, $311,900 in total2008: 36 claims, 29 paid, $1,049,219 in total2009: 13 claims2010: 61 claims, 46 paid, $689,581 in total201020102011: 42 claims, 27 paid, $285,730 in total2016: 22 claims, 12 paid, $965,287 in total20202021: 14 claims, 10 paid, $422,812 in total2023: 38 claims, 33 paid, $1,886,392 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233833$1,886,392$57,163
20211410$422,812$42,281
20162212$965,287$80,441
20114227$285,730$10,583
20106146$689,581$14,991
200913<10––
20083629$1,049,219$36,180
20072322$311,900$14,177
2005138118$4,147,411$35,148
200413<10––
20011511$241,133$21,921
19982519$140,107$7,374
199617<10––
19873422$81,187$3,690
19852716$797,026$49,814
19842317$51,043$3,003
198315<10––
19824434$356,761$10,493
19801311$146,996$13,363
19794236$350,105$9,725
19782825$152,406$6,096

From 2016 to 2026: 74 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

Worcester (203 home policies) · Leominster (61 home policies) · Shrewsbury (50 home policies) · Milford (42 home policies) · Southborough (33 home policies) · Auburn (32 home policies)