Flood Claims Map

Massachusetts

Flood insurance claims in Hampden County, Massachusetts

FEMA records 279 National Flood Insurance Program claims in Hampden County, Massachusetts, since 1978, with $2.7 million paid in total. The year with the most claims was 1984, with 39. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 26.0% of homes in the high-risk flood zone did.

NFIP claims on record279
Total paid$2.7 million
Claims with a payment176
Homes with NFIP policy0.4%
High-risk zone homes insured26.0%
Residential policies in force496

Claims by year of loss

1978: 1619781979: 261980: 111981: 11982: 2219821983: 81984: 391985: 41986: 019861987: 21988: 11989: 21990: 219901991: 31992: 21993: 11994: 019941995: 11996: 21997: 01998: 319981999: 62000: 12001: 12002: 120022003: 62004: 12005: 372006: 120062007: 62008: 82009: 22010: 020102011: 362012: 22013: 12014: 320142015: 22016: 12017: 12018: 220182019: 12020: 32021: 42022: 020222023: 52024: 12025: 02026: 1202639

NFIP claims by year of loss, Hampden County, Massachusetts

1978: $10,08919781979: $30,4911980: $29,5031981: $01982: $17,78719821983: $1,6311984: $120,1211985: $16,5001986: $019861987: $1,1861988: $01989: $01990: $30019901991: $17,0001992: $4621993: $01994: $019941995: $01996: $01997: $01998: $6,57319981999: $94,9492000: $02001: $2,1872002: $020022003: $10,5742004: $4,1732005: $788,6962006: $020062007: $99,5502008: $98,2802009: $1,9442010: $020102011: $1.0 million2012: $02013: $02014: $59020142015: $18,4082016: $1,0962017: $13,2742018: $020182019: $02020: $19,8222021: $28,2372022: $020222023: $270,3252024: $02025: $02026: $1,2722026$1.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Not a named storm31
Hurricane Irene23
Flooding9
Hurricane Floyd5
April 2007 Nor'easter5
Hurricane Bob3
December Nor'easter2
Hurricane Ida2

ZIP codes with the most claims

ZIP code (as reported)Claims
0100152
0108551
0108933
0104019
0103617
0107713
0101111
010959
011068
010567

155 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.2 million, contents $514,493, increased cost of compliance $28,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,13029426.0%
All homes116,0624960.4%

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.