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Flood insurance cost · ZIP 02050 · MA

Flood insurance cost in ZIP 02050 (Marshfield, MA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,116 home policies in force on August 31, 2026.

ZIP code 02050 (Marshfield, MA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,414a year

Half of insured homes paid between $1,034 and $1,882. That is 9% less than the Plymouth County median ($1,559). Most insured homes here are rated in zone AE (60%).

$0$1,034 · $1,414 · $1,882$2,352
+9.2% vs Aug 31, 2025 (median $1,295)
1,116home policies in force
$1,568average cost (mean)
88%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 02050

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		$1,254$935–$1,551$1,352161 (14%)+2.7%
Zone AE
High risk		$1,577$1,148–$2,191$1,754665 (60%)+11.0%
Zone AO
High risk, shallow		$1,358$1,016–$1,810$1,457159 (14%)+2.0%
Zone X
Moderate to low risk		$1,079$712–$1,292$1,023129 (12%)+13.2%

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 02050, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,098$1,414$1,567
Condo or apartment unit10$762$982
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.		18$1,598$2,606
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		24$2,942$4,397

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

1,158NFIP policies in force, any building
1,214insured units (condo association policies count every unit)
56%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 02050

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 force1,1341,116−1.6%
Median annual cost$1,295$1,414+9.2%
Average annual cost$1,446$1,568+8.4%
All policies in force (any building)1,1761,158−1.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 02050 have filed 1,393 flood claims. 1,163 received a payment, for a total of $20.3 million (an average of $17,427 per paid claim). The year with the most claims was 1991 (354 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 70 claims, 67 paid, $440,658 in total1979: 23 claims, 16 paid, $13,562 in total19801982: 12 claims1983: 10 claims1984: 13 claims1987: 99 claims, 69 paid, $415,446 in total19901991: 354 claims, 321 paid, $6,787,738 in total19911992: 133 claims, 118 paid, $1,100,072 in total199220002001: 47 claims, 37 paid, $305,225 in total2003: 36 claims, 24 paid, $215,894 in total2005: 34 claims, 27 paid, $316,840 in total2006: 10 claims2007: 27 claims, 24 paid, $488,774 in total2010: 57 claims, 41 paid, $711,715 in total20102013: 129 claims, 109 paid, $2,004,963 in total2014: 15 claims, 12 paid, $204,001 in total2015: 86 claims, 74 paid, $1,626,558 in total2018: 156 claims, 140 paid, $5,148,336 in total20182020
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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2018156140$5,148,336$36,774
20158674$1,626,558$21,981
20141512$204,001$17,000
2013129109$2,004,963$18,394
20105741$711,715$17,359
20072724$488,774$20,366
200610<10––
20053427$316,840$11,735
20033624$215,894$8,996
20014737$305,225$8,249
1992133118$1,100,072$9,323
1991354321$6,787,738$21,146
19879969$415,446$6,021
198413<10––
198310<10––
198212<10––
19792316$13,562$848
19787067$440,658$6,577

From 2016 to 2026: 156 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

Marshfield (1,095 home policies) · Scituate (20 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.