Flood Claims Map

Massachusetts

Flood insurance claims in Berkshire County, Massachusetts

FEMA records 388 National Flood Insurance Program claims in Berkshire County, Massachusetts, since 1978, with $3.1 million paid in total. The year with the most claims was 2011, with 100. As of 3 August 2026, 0.9% of homes here had an NFIP policy.

NFIP claims on record388
Total paid$3.1 million
Claims with a payment261
Homes with NFIP policy0.9%
High-risk zone homes insuredn/a
Residential policies in force414

Claims by year of loss

1978: 819781979: 361980: 51981: 81982: 419821983: 81984: 381985: 01986: 319861987: 81988: 11989: 01990: 619901991: 21992: 01993: 51994: 419941995: 31996: 91997: 01998: 119981999: 02000: 72001: 52002: 020022003: 32004: 12005: 572006: 120062007: 72008: 62009: 202010: 120102011: 1002012: 02013: 42014: 920142015: 12016: 12017: 02018: 320182019: 12020: 02021: 92022: 020222023: 22024: 02025: 1100

NFIP claims by year of loss, Berkshire County, Massachusetts

1978: $19,80719781979: $71,4041980: $14,8211981: $35,2091982: $11,91019821983: $3,1091984: $105,8451985: $01986: $3,01819861987: $17,3421988: $01989: $01990: $8,78419901991: $8,0091992: $01993: $12,4151994: $13,35919941995: $1,0131996: $9,6261997: $01998: $019981999: $02000: $11,5352001: $10,7762002: $020022003: $20,3972004: $02005: $839,0002006: $020062007: $91,2592008: $54,7692009: $126,2542010: $6,60020102011: $1.4 million2012: $02013: $45,4162014: $61,78720142015: $02016: $02017: $02018: $6,62520182019: $3,8752020: $02021: $64,5602022: $020222023: $10,4382024: $02025: $0$1.4 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Berkshire County, Massachusetts

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene75
Flooding12
April 2007 Nor'easter6
Hurricane Ida3
Not a named storm2
March 2010 Nor'easter1
Late summer storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
01201124
0123045
0126725
0124524
0122021
0124720
0126217
0126613
0123812
0122611

242 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.8 million, contents $260,172, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0266n/a
All homes44,7844140.9%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.