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Flood insurance cost · ZIP 02045 · MA

Flood insurance cost in ZIP 02045 (Hull, MA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,401 home policies in force on August 31, 2026.

ZIP code 02045 (Hull, MA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,148a year

Half of insured homes paid between $1,517 and $2,922. That is 38% more than the Plymouth County median ($1,559). Most insured homes here are rated in zone AE (81%).

$0$1,517 · $2,148 · $2,922$3,652
+6.0% vs Aug 31, 2025 (median $2,027)
1,401home policies in force
$2,294average cost (mean)
98%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 02045

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		$1,928$1,392–$2,446$2,05079 (6%)+11.1%
Zone AE
High risk		$2,247$1,592–$3,053$2,3911,128 (81%)+4.4%
Zone AO
High risk, shallow		$2,026$1,496–$2,488$1,978158 (11%)+6.7%
Zone X
Moderate to low risk		$1,198$652–$1,424$1,12735 (2%)+16.8%

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 02045, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,318$2,166$2,318
2–4 unit building67$2,086$2,185
Condo or apartment unit16$529$770
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.		41$3,776$6,994
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		41$4,589$5,264

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

1,483NFIP policies in force, any building
1,849insured units (condo association policies count every unit)
36%of home policies also cover contents
$53,000median contents coverage, when bought

One year on: ZIP code 02045

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 force1,4331,401−2.2%
Median annual cost$2,027$2,148+6.0%
Average annual cost$2,146$2,294+6.9%
All policies in force (any building)1,5141,483−2.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 02045 have filed 2,369 flood claims. 1,941 received a payment, for a total of $17.5 million (an average of $9,013 per paid claim). The year with the most claims was 1991 (539 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 276 claims, 261 paid, $2,251,047 in total19781979: 191 claims, 163 paid, $320,678 in total19801981: 21 claims, 15 paid, $20,829 in total1982: 90 claims, 79 paid, $138,707 in total1983: 40 claims, 28 paid, $42,804 in total1984: 31 claims, 17 paid, $35,073 in total1986: 12 claims1987: 143 claims, 92 paid, $229,516 in total19901991: 539 claims, 487 paid, $4,925,550 in total19911992: 293 claims, 237 paid, $1,243,827 in total19921993: 15 claims, 11 paid, $34,184 in total1996: 41 claims, 21 paid, $99,272 in total1997: 22 claims, 21 paid, $227,111 in total20002001: 64 claims, 48 paid, $253,565 in total2003: 46 claims, 38 paid, $366,966 in total2005: 40 claims, 36 paid, $572,079 in total2006: 79 claims, 71 paid, $474,940 in total2007: 26 claims, 22 paid, $239,167 in total2010: 108 claims, 88 paid, $1,616,528 in total20102013: 51 claims, 39 paid, $1,230,062 in total2015: 27 claims, 16 paid, $184,905 in total2018: 133 claims, 103 paid, $2,650,872 in total2020
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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2018133103$2,650,872$25,737
20152716$184,905$11,557
20135139$1,230,062$31,540
201010888$1,616,528$18,370
20072622$239,167$10,871
20067971$474,940$6,689
20054036$572,079$15,891
20034638$366,966$9,657
20016448$253,565$5,283
19972221$227,111$10,815
19964121$99,272$4,727
19931511$34,184$3,108
1992293237$1,243,827$5,248
1991539487$4,925,550$10,114
198714392$229,516$2,495
198612<10––
19843117$35,073$2,063
19834028$42,804$1,529
19829079$138,707$1,756
19812115$20,829$1,389
1979191163$320,678$1,967
1978276261$2,251,047$8,625

From 2016 to 2026: 133 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

Hull (1,401 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.