Massachusetts Home-Insurance Distress by County

Massachusetts reads below the national norm for home-insurance distress — 14 counties averaging 25/100, 34th of 52 states.

Massachusetts's reading rests on a FEMA hazard average of 7/100 and NFIP flood-claim stress of 58/100.

Over three years Massachusetts counties filed 367 NFIP flood claims, $7,663,135 paid.

Highest in Massachusetts: Bristol County 60/100 (#900 US), Worcester County 56/100 (#990 US), Essex County 31/100 (#1576 US), Suffolk County 30/100 (#1589 US), Barnstable County 30/100 (#1622 US).

Massachusetts counties by insurance band: 11 low (Massachusetts), 2 medium, 1 zero; Massachusetts NFIP claims, three years: 367; Massachusetts payouts $7.7 million.

Massachusetts counties with the most NFIP claims: Essex 174 ($4.8 million); Plymouth 41 ($419,523); Suffolk 38 ($1.2 million) in Massachusetts; Middlesex 33 ($156,682); Norfolk 29 ($278,048).

Massachusetts county average rose: 24.8 in March 2026; Massachusetts reads 25.3 in October 2026; Massachusetts by month: March 24.8, April 24.8, May 24.1 (Massachusetts), June 24.1, July 23.7, August 23.6 (Massachusetts), September 23.6, October 25.3.

Highest Massachusetts ZIPs, insurance distress: 33054 0 (climate 100), 91361 0 (climate 100) in Massachusetts, 90043 0 (climate 100), 33145 0 (climate 100) in Massachusetts, 91766 0 (climate 100), 90277 0 (climate 100) in Massachusetts.

Reading the Massachusetts bands: 0 of 14 Massachusetts counties sit in a high or worse insurance band; Massachusetts filed 367 NFIP claims in three years, $7.7 million paid to Massachusetts policyholders; a Massachusetts county's band moves when FEMA hazard revisions, new Massachusetts NFIP settlements or carrier filings change its monthly score.