Flood Claims Map

Massachusetts

Flood insurance claims in Worcester County, Massachusetts

FEMA records 765 National Flood Insurance Program claims in Worcester County, Massachusetts, since 1978, with $12.6 million paid in total. The year with the most claims was 2005, with 138. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 64.9% of homes in the high-risk flood zone did.

NFIP claims on record765
Total paid$12.6 million
Claims with a payment556
Homes with NFIP policy0.5%
High-risk zone homes insured64.9%
Residential policies in force1,081

Claims by year of loss

1978: 2819781979: 401980: 131981: 31982: 4419821983: 151984: 231985: 251986: 019861987: 341988: 31989: 31990: 019901991: 71992: 11993: 81994: 519941995: 11996: 171997: 01998: 2519981999: 22000: 52001: 152002: 120022003: 62004: 132005: 1382006: 220062007: 232008: 362009: 132010: 6120102011: 422012: 32013: 52014: 320142015: 12016: 222017: 42018: 520182019: 12020: 52021: 142022: 720222023: 382024: 32025: 12026: 12026138

NFIP claims by year of loss, Worcester County, Massachusetts

1978: $152,40619781979: $346,8741980: $146,9961981: $1451982: $356,76119821983: $27,9171984: $51,0431985: $797,0261986: $019861987: $81,1871988: $22,4091989: $2,4731990: $019901991: $12,9631992: $01993: $36,4021994: $2,44619941995: $9,7881996: $53,5491997: $01998: $140,10719981999: $5,1722000: $19,9562001: $241,1332002: $56320022003: $50,3812004: $53,2762005: $4.1 million2006: $6,58220062007: $311,9002008: $1.0 million2009: $58,2942010: $689,58120102011: $285,7302012: $1,8832013: $5,7132014: $8,19720142015: $02016: $965,2872017: $1,1462018: $12,24520182019: $02020: $34,3332021: $422,8122022: $45,17920222023: $1.9 million2024: $12,3052025: $02026: $02026$4.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding80
March 2010 Nor'easter53
Not a named storm38
April 2007 Nor'easter22
Hurricane Irene10
Hurricane Bob6
December Nor'easter4
Hurricane Sandy3

ZIP codes with the most claims

ZIP code (as reported)Claims
0161080
0145361
0160536
0142035
0160834
0152334
0160233
0151030
0155028
0153425

463 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $9.8 million, contents $2.7 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,01065564.9%
All homes209,1461,0810.5%

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.