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Flood insurance cost · ZIP 02169 · MA

Flood insurance cost in ZIP 02169 (Quincy, MA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 695 home policies in force on August 31, 2026.

ZIP code 02169 (Quincy, MA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,857a year

Half of insured homes paid between $1,346 and $2,354. That is 45% more than the Norfolk County median ($1,278). Most insured homes here are rated in zone AE (79%).

$0$1,346 · $1,857 · $2,354$2,942
+8.2% vs Aug 31, 2025 (median $1,716)
695home policies in force
$1,992average 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 02169

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		$2,074$1,606–$3,384$2,58855 (8%)+14.2%
Zone AE
High risk		$1,914$1,468–$2,464$2,064546 (79%)+8.6%
Zone X
Moderate to low risk		$1,197$786–$1,407$1,21985 (12%)+16.6%

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 02169, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home606$1,859$2,010
2–4 unit building75$1,980$2,101
Condo or apartment unit14$604$618
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.		35$4,418$7,951
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		27$5,725$5,031

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

757NFIP policies in force, any building
1,143insured units (condo association policies count every unit)
46%of home policies also cover contents
$92,000median contents coverage, when bought

One year on: ZIP code 02169

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 force761695−8.7%
Median annual cost$1,716$1,857+8.2%
Average annual cost$1,842$1,992+8.1%
All policies in force (any building)834757−9.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 02169 have filed 1,434 flood claims. 1,176 received a payment, for a total of $12.5 million (an average of $10,595 per paid claim). The year with the most claims was 2018 (214 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 137 claims, 126 paid, $615,743 in total1979: 78 claims, 56 paid, $113,489 in total19801982: 29 claims, 24 paid, $57,759 in total1983: 14 claims1984: 20 claims, 10 paid, $22,051 in total1986: 11 claims1987: 86 claims, 72 paid, $202,844 in total1988: 28 claims, 21 paid, $73,626 in total19901991: 180 claims, 162 paid, $1,376,136 in total19911992: 111 claims, 102 paid, $605,098 in total1996: 75 claims, 49 paid, $266,895 in total1998: 23 claims, 13 paid, $71,348 in total20002001: 14 claims, 10 paid, $36,496 in total2005: 79 claims, 68 paid, $681,369 in total2006: 21 claims, 19 paid, $205,479 in total2010: 192 claims, 156 paid, $2,244,577 in total201020102012: 22 claims, 20 paid, $363,530 in total2013: 14 claims, 13 paid, $115,793 in total2018: 214 claims, 194 paid, $5,110,374 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2018214194$5,110,374$26,342
20131413$115,793$8,907
20122220$363,530$18,176
2010192156$2,244,577$14,388
20062119$205,479$10,815
20057968$681,369$10,020
20011410$36,496$3,650
19982313$71,348$5,488
19967549$266,895$5,447
1992111102$605,098$5,932
1991180162$1,376,136$8,495
19882821$73,626$3,506
19878672$202,844$2,817
198611<10––
19842010$22,051$2,205
198314<10––
19822924$57,759$2,407
19797856$113,489$2,027
1978137126$615,743$4,887

From 2016 to 2026: 214 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

Quincy (695 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.