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Flood insurance cost · ZIP 01930 · MA

Flood insurance cost in ZIP 01930 (Gloucester, MA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 431 home policies in force on August 31, 2026.

ZIP code 01930 (Gloucester, MA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,313a year

Half of insured homes paid between $814 and $1,780. That is 6% less than the Essex County median ($1,401). Most insured homes here are rated in zone AE (57%).

$0$814 · $1,313 · $1,780$2,225
+4.7% vs Aug 31, 2025 (median $1,254)
431home policies in force
$1,556average cost (mean)
77%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 ZIP code 01930

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		$1,242$798–$1,656$1,53086 (20%)−2.4%
Zone AE
High risk		$1,594$1,060–$1,995$1,836244 (57%)+8.6%
Zone X
Moderate to low risk		$778$545–$1,172$895100 (23%)+3.7%

Not shown (fewer than 10 home policies): A, 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 ZIP code 01930, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home360$1,333$1,549
2–4 unit building39$1,633$2,054
Condo or apartment unit32$770$1,027
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.		43$2,188$3,806
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		73$4,375$6,397

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

547NFIP policies in force, any building
673insured units (condo association policies count every unit)
73%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 01930

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 force455431−5.3%
Median annual cost$1,254$1,313+4.7%
Average annual cost$1,480$1,556+5.1%
All policies in force (any building)570547−4.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 01930 have filed 388 flood claims. 299 received a payment, for a total of $8,415,880 (an average of $28,147 per paid claim). The year with the most claims was 2018 (80 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801978: 34 claims, 32 paid, $275,715 in total19781979: 12 claims19801987: 32 claims, 25 paid, $397,606 in total19901991: 79 claims, 64 paid, $2,745,058 in total19911992: 17 claims, 15 paid, $223,372 in total20002006: 21 claims, 18 paid, $302,357 in total2007: 14 claims, 11 paid, $232,982 in total2010: 16 claims, 11 paid, $60,069 in total20102018: 80 claims, 55 paid, $2,744,344 in total201820202024: 13 claims, 13 paid, $513,006 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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241313$513,006$39,462
20188055$2,744,344$49,897
20101611$60,069$5,461
20071411$232,982$21,180
20062118$302,357$16,798
19921715$223,372$14,891
19917964$2,745,058$42,892
19873225$397,606$15,904
197912<10––
19783432$275,715$8,616

From 2016 to 2026: 93 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.

NFIP communities in this ZIP code

Gloucester (431 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.