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Flood insurance cost · ZIP 02151 · MA

Flood insurance cost in ZIP 02151 (Revere, MA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 863 home policies in force on August 31, 2026.

ZIP code 02151 (Revere, MA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,045a year

Half of insured homes paid between $1,520 and $3,084. That is 25% more than the Suffolk County median ($1,639). Most insured homes here are rated in zone AE (89%).

$0$1,520 · $2,045 · $3,084$3,855
+10.3% vs Aug 31, 2025 (median $1,854)
863home policies in force
$2,370average 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 02151

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		$2,016$1,527–$3,082$2,370764 (89%)+11.7%
Zone AH
High risk, shallow		$2,781$2,402–$3,408$2,78361 (7%)+13.7%
Zone X
Moderate to low risk		$1,388$980–$1,906$1,64836 (4%)+10.1%

Not shown (fewer than 10 home policies): VE, A, AO, 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 02151, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home537$2,233$2,471
2–4 unit building269$2,020$2,426
Condo or apartment unit57$966$1,156
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.		104$5,234$8,906
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		25$4,931$6,206

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

992NFIP policies in force, any building
2,159insured units (condo association policies count every unit)
43%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 02151

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 force896863−3.7%
Median annual cost$1,854$2,045+10.3%
Average annual cost$2,170$2,370+9.2%
All policies in force (any building)1,040992−4.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 02151 have filed 2,593 flood claims. 2,121 received a payment, for a total of $15.6 million (an average of $7,338 per paid claim). The year with the most claims was 1979 (473 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 296 claims, 277 paid, $2,456,041 in total19781979: 473 claims, 432 paid, $1,225,974 in total197919801981: 25 claims, 12 paid, $8,538 in total1982: 98 claims, 70 paid, $125,119 in total1983: 25 claims, 10 paid, $24,678 in total1984: 24 claims1985: 30 claims, 13 paid, $17,635 in total1987: 70 claims, 45 paid, $189,382 in total1990: 14 claims19901991: 421 claims, 395 paid, $5,075,236 in total19911992: 228 claims, 193 paid, $1,710,774 in total1993: 15 claims, 11 paid, $18,583 in total1996: 232 claims, 183 paid, $1,102,503 in total1998: 66 claims, 38 paid, $207,712 in total1999: 13 claims, 10 paid, $44,805 in total2000: 11 claims20002001: 37 claims, 23 paid, $106,400 in total2004: 64 claims, 51 paid, $182,284 in total2005: 18 claims, 12 paid, $76,158 in total2006: 160 claims, 136 paid, $1,325,431 in total2007: 13 claims, 12 paid, $41,989 in total2008: 13 claims, 11 paid, $32,107 in total2010: 65 claims, 46 paid, $189,815 in total20102012: 11 claims2014: 19 claims, 12 paid, $79,646 in total2018: 38 claims, 29 paid, $482,110 in total20202021: 18 claims, 12 paid, $96,847 in total2024: 15 claims, 14 paid, $369,598 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 (28)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241514$369,598$26,400
20211812$96,847$8,071
20183829$482,110$16,624
20141912$79,646$6,637
201211<10––
20106546$189,815$4,126
20081311$32,107$2,919
20071312$41,989$3,499
2006160136$1,325,431$9,746
20051812$76,158$6,346
20046451$182,284$3,574
20013723$106,400$4,626
200011<10––
19991310$44,805$4,480
19986638$207,712$5,466
1996232183$1,102,503$6,025
19931511$18,583$1,689
1992228193$1,710,774$8,864
1991421395$5,075,236$12,849
199014<10––
19877045$189,382$4,208
19853013$17,635$1,357
198424<10––
19832510$24,678$2,468
19829870$125,119$1,787
19812512$8,538$712
1979473432$1,225,974$2,838
1978296277$2,456,041$8,867

From 2016 to 2026: 71 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

Revere (863 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.