Flood Claims Map

Massachusetts

Flood insurance claims in Hampshire County, Massachusetts

FEMA records 215 National Flood Insurance Program claims in Hampshire County, Massachusetts, since 1978, with $2.0 million paid in total. The year with the most claims was 2011, with 49. As of 3 August 2026, 0.8% of homes here had an NFIP policy.

NFIP claims on record215
Total paid$2.0 million
Claims with a payment165
Homes with NFIP policy0.8%
High-risk zone homes insuredn/a
Residential policies in force339

Claims by year of loss

1978: 119781979: 61980: 21981: 21982: 219821983: 41984: 281985: 01986: 019861987: 321988: 01989: 11990: 219901991: 31992: 01993: 21994: 319941995: 01996: 41997: 01998: 319981999: 92000: 02001: 32002: 120022003: 22004: 02005: 152006: 020062007: 122008: 22009: 12010: 020102011: 492012: 02013: 02014: 120142015: 12016: 02017: 02018: 320182019: 12020: 02021: 12022: 220222023: 1749

NFIP claims by year of loss, Hampshire County, Massachusetts

1978: $60119781979: $7,5631980: $611981: $9051982: $3,59919821983: $8451984: $283,4961985: $01986: $019861987: $183,5361988: $01989: $01990: $1,46219901991: $31,2561992: $01993: $9,2931994: $2,06919941995: $01996: $3,8321997: $01998: $67719981999: $76,9612000: $02001: $4,2032002: $1,97020022003: $02004: $02005: $251,2542006: $020062007: $103,9762008: $7812009: $02010: $020102011: $719,0152012: $02013: $02014: $10,52520142015: $14,4552016: $02017: $02018: $1,22220182019: $4,9792020: $02021: $12,8442022: $020222023: $269,532$719,015

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene44
Flooding34
April 2007 Nor'easter11
Hurricane Floyd8
December Nor'easter4
Hurricane Bob2
The "Halloween" Storm1
Not a named storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
0106037
0102731
0106228
0103522
0107519
0105010
0109610
010827
010737
010535

171 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.8 million, contents $216,661, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0165n/a
All homes42,1413390.8%

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.