Flood insurance cost in Massachusetts
In Massachusetts, the lowest private flood insurance quote ran $736 a year and the typical private quote ran $2,109. The NFIP quote ran $2,316.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 59% below the NFIP quote, and private was the cheaper option for 92% of those 97 properties. The typical private quote came in 3% below NFIP.
Median annual premiums from 1,183 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $790 | $2,164 | $2,513 | 942 |
| Residential properties | $707 | $2,033 | $2,267 | 1,167 |
How quotes have moved since 2020
- Lowest private quote$712 in 2026
- Typical private quote$2,970 in 2026
- NFIP quote$3,446 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $1,677 | $2,906 | $3,491 | 388 |
| 2021 | $1,666 | $2,593 | $4,128 | 316 |
| 2022 | $1,432 | $2,771 | n/a | 111 |
| 2024 | $985 | $2,951 | $1,640 | 444 |
| 2025 | $707 | $1,712 | $2,230 | 684 |
| 2026* | $712 | $2,970 | $3,446 | 398 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Massachusetts?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Massachusetts was $2,109 a year and the lowest private quote a property received was $736. NFIP quotes ran $2,316. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Massachusetts?
- Where a property was quoted both ways, the lowest private quote came in a median 59% below the NFIP quote, and private was the cheaper option for 92% of those 97 properties. The typical private quote came in 3% below NFIP.
- Where do these numbers come from?
- From 1,183 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Massachusetts
- Flood insurance in Massachusetts: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.