Flood Claims Map

Massachusetts

Flood insurance claims in Middlesex County, Massachusetts

FEMA records 3,752 National Flood Insurance Program claims in Middlesex County, Massachusetts, since 1978, with $36.4 million paid in total. The year with the most claims was 2010, with 658. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 53.5% of homes in the high-risk flood zone did.

NFIP claims on record3,752
Total paid$36.4 million
Claims with a payment2,947
Homes with NFIP policy1.0%
High-risk zone homes insured53.5%
Residential policies in force4,000

Claims by year of loss

1978: 20019781979: 3541980: 191981: 241982: 21419821983: 431984: 681985: 291986: 819861987: 1671988: 41989: 61990: 2119901991: 271992: 101993: 321994: 1219941995: 31996: 2841997: 21998: 19219981999: 182000: 72001: 3092002: 420022003: 122004: 942005: 902006: 33220062007: 832008: 662009: 342010: 65820102011: 402012: 222013: 102014: 5420142015: 142016: 82017: 242018: 1120182019: 62020: 52021: 382022: 520222023: 562024: 262025: 42026: 32026658

NFIP claims by year of loss, Middlesex County, Massachusetts

1978: $1.7 million19781979: $1.5 million1980: $23,2671981: $32,8971982: $548,65119821983: $55,3931984: $76,6951985: $226,7951986: $3,26119861987: $491,3131988: $96,7821989: $113,3731990: $141,12219901991: $234,7401992: $16,5061993: $196,5411994: $54119941995: $42,1961996: $3.0 million1997: $01998: $1.5 million19981999: $42,4472000: $13,3612001: $2.2 million2002: $14,30920022003: $22,0132004: $358,0092005: $248,8522006: $7.7 million20062007: $1.4 million2008: $186,2542009: $130,5072010: $10.3 million20102011: $180,5382012: $157,3702013: $216,7192014: $333,14420142015: $484,4242016: $16,3502017: $261,9022018: $158,29020182019: $22,7102020: $20,9072021: $783,3572022: $45,38020222023: $908,3592024: $151,9762025: $4,7052026: $02026$10.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding1,007
March 2010 Nor'easter611
Not a named storm465
April 2007 Nor'easter58
Hurricane Irene27
Hurricane Bob19
December Nor'easter15
Hurricane Ida13

ZIP codes with the most claims

ZIP code (as reported)Claims
02474333
01821283
02459170
01854167
01890163
01702132
01864117
01730116
02461101
0217694

1,965 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $29.5 million, contents $6.9 million, increased cost of compliance $68,394.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,0352,15953.5%
All homes390,6424,0001.0%

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.