Flood insurance cost · ZIP 01952 · MA

Flood insurance cost in ZIP 01952 (Salisbury, MA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 581 home policies in force on August 31, 2026.

ZIP code 01952 (Salisbury, MA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,498a year

Half of insured homes paid between $1,045 and $2,074. That is 7% more than the Essex County median ($1,401). The most common flood zone for insured homes here is zone AE (49%).

$0$1,045 · $1,498 · $2,074$2,592

+7.3% vs Aug 31, 2025 (median $1,396)

581home policies in force

$1,698average cost (mean)

96%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 01952

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,510	$1,063–$1,996	$1,615	225 (39%)	+3.3%
Zone AE High risk	$1,459	$974–$2,270	$1,782	287 (49%)	+9.8%
Zone AO High risk, shallow	$1,869	$1,435–$2,150	$1,854	43 (7%)	+11.4%
Zone X Moderate to low risk	$1,120	$993–$1,469	$1,235	26 (4%)	+14.3%

Not shown (fewer than 10 home policies): A, 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 01952, by what they insure.

Type of building	Policies	Median	Average
Single-family home	370	$1,500	$1,719
2–4 unit building	144	$1,771	$1,980
Condo or apartment unit	64	$808	$961
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.	162	$2,290	$3,138
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	21	$3,444	$5,470

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

764NFIP policies in force, any building

1,137insured units (condo association policies count every unit)

58%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 01952

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, 2025	Aug 31, 2026	Change
Home policies in force	581	581	±0.0%
Median annual cost	$1,396	$1,498	+7.3%
Average annual cost	$1,571	$1,698	+8.1%
All policies in force (any building)	769	764	−0.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 01952 have filed 362 flood claims. 270 received a payment, for a total of $6,137,865 (an average of $22,733 per paid claim). The year with the most claims was 1991 (96 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 loss	Claims	Paid claims	Total paid	Average per paid claim
2024	19	17	$715,037	$42,061
2018	21	19	$1,393,556	$73,345
2013	27	18	$565,994	$31,444
2010	21	12	$109,249	$9,104
2007	36	29	$531,923	$18,342
2006	15	11	$79,066	$7,188
1992	25	16	$439,814	$27,488
1991	96	78	$1,460,136	$18,720
1979	17	13	$63,654	$4,896
1978	29	22	$268,034	$12,183

From 2016 to 2026: 40 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

Salisbury (581 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.