Plymouth County, Massachusetts
flood insurance data
- Inside the Special Flood Hazard Area (SFHA), the median premium in Plymouth County is $1,636, 56.9% higher than outside it ($1,043); most of its zoned policies sit inside the SFHA (87.0%).
- The median NFIP premium in Plymouth County, $1,512, is 7.3% above the Massachusetts median ($1,409) and 43.3% above the national median ($1,055); it is the 19th highest of 339 counties with all four FEMA sources.
- Of the 5,533 owner registrations FEMA inspected in Plymouth County after disasters of every declared type, 0.1% show more than $30,000 of FEMA-inspected damage, against 0.2% across Massachusetts and 2.6% nationally. The disaster with the most inspections is DR-1895, SEVERE STORMS AND FLOODING (declared 2010-03-29), with 5,243.
- The median paid claim, $14,482, is 14.8% above the Massachusetts median ($12,611) and 61.1% below the national median of the same years ($37,248), the 112th lowest of 339 counties with all four FEMA sources.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Plymouth County
NFIP premiums: what NFIP policyholders paid, not a quote. Across 7,187 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,512, and half of them fall between $1,075 (Q1) and $2,238 (Q3).
With 7,187 residential NFIP policies effective 2025, Plymouth County has the 78th most of 339 counties with all four FEMA sources, and the most of 5 Massachusetts counties of that list. Of the 5 zones listed (AE, VE, X, AO, A), zone VE has the highest median premium ($1,790) and zone A the lowest ($963). Coastal high-hazard zone VE is listed, with 1,451 policies. Residential NFIP policies counted by FEMA fell 13.5% between 2019 (8,312) and 2025 (7,186); the first year, 2019, has the highest count of the 7.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 6,253 | $1,155 | $1,636 | $2,390 |
| Outside SFHA (X, B, C) | 934 | $655 | $1,043 | $1,204 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 4,272 | $1,167 | $1,626 | $2,329 |
| VE | 1,451 | $1,223 | $1,790 | $2,877 |
| X | 934 | $655 | $1,043 | $1,204 |
| AO | 358 | $1,135 | $1,636 | $2,178 |
| A | 171 | $732 | $963 | $1,280 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 8,312 |
| 2020 | 7,948 |
| 2021 | 7,611 |
| 2022 | 7,283 |
| 2023 | 7,171 |
| 2024 | 7,281 |
| 2025 | 7,186 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 the two bases differ: 7,186 policies counted by the API, 7,187 in the premium statistics.
NFIP paid building claims in Plymouth County
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 897 paid claims; median $14,482, half of them between $5,321 (Q1) and $35,712 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $18,091, a monetary adjustment, not today’s cost of repair.
2018 alone holds 66.9% of the paid claims (year of loss 2015-2024). With 897 paid claims (year of loss 2015-2024), Plymouth County has the 79th most of 339 counties with all four FEMA sources, and the most of 5 Massachusetts counties of that list.
| Event | Paid claims | Share |
|---|---|---|
| Hurricane Ida | 6 | 0.7% |
| December Nor'easter | 1 | 0.1% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 218 |
| 2016 | 11 |
| 2017 | 5 |
| 2018 | 600 |
| 2019 | 5 |
| 2020 | 2 |
| 2021 | 23 |
| 2022 | 10 |
| 2023 | 4 |
| 2024 | 19 |
FEMA disaster declarations
Since 2000: 14 flood, hurricane and severe-storm declarations (DR and EM) covering Plymouth County, 9 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 0 |
| Hurricane | 7 |
| Severe Storm | 7 |
Latest declarations
- EM-3599: HURRICANE LEE (Hurricane, 2023-09-15)
- DR-4372: SEVERE WINTER STORM AND FLOODING (Severe Storm, 2018-06-25)
- DR-4214: SEVERE WINTER STORM, SNOWSTORM, AND FLOODING (Severe Storm, 2015-04-13)
- DR-4110: SEVERE WINTER STORM, SNOWSTORM, AND FLOODING (Severe Storm, 2013-04-19)
- DR-4097: HURRICANE SANDY (Hurricane, 2012-12-19)
FEMA assistance to homeowners
Since 2002: 5,533 owner registrations inspected by FEMA in Plymouth County after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 248 |
| $1-$10,000 | 5,159 |
| $10,001-$20,000 | 110 |
| $20,001-$30,000 | 10 |
| More than $30,000 | 6 |
Disasters with the most inspections
- DR-1895, SEVERE STORMS AND FLOODING (declared 2010-03-29): 5,243 inspections
- DR-1614, SEVERE STORMS AND FLOODING (declared 2005-11-10): 290 inspections
NFIP communities and flood maps
FEMA’s Community Status Book places 27 NFIP communities in Plymouth County alone; 4 of them (14.8%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Hull, Town of, Marshfield, Town of, Scituate, Town of): FEMA applies that 15% discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole county; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Plymouth County dates from 2012-07-17 (Brockton, City of).
| Community | In the NFIP | CRS class | CRS discount (all policies) | Map in effect | First FIRM | Sanction |
|---|---|---|---|---|---|---|
| Hull, Town of | yes | 7 | 15% | 2024-07-03 | 1983-05-02 | — |
| Marshfield, Town of | yes | 7 | 15% | 2021-07-06 | 1977-10-14 | — |
| Scituate, Town of | yes | 7 | 15% | 2021-07-06 | 1977-09-30 | — |
| Plymouth, Town of | yes | 9 | 5% | 2021-07-06 | 1986-07-17 | — |
| Abington, Town of | yes | — | — | 2024-07-03 | 1977-09-30 | — |
| Bridgewater, Town of | yes | — | — | 2015-07-16 | 1982-05-17 | — |
| Brockton, City of | yes | — | — | 2012-07-17 | 1979-03-01 | — |
| Carver, Town of | yes | — | — | 2021-07-06 | 1982-07-19 | — |
| Duxbury, Town of | yes | — | — | 2021-07-06 | 1977-05-02 | — |
| East Bridgewater, Town of | yes | — | — | 2015-07-16 | 1981-07-02 | — |
| Halifax, Town of | yes | — | — | 2021-07-06 | 1982-07-05 | — |
| Hanover, Town of | yes | — | — | 2024-07-03 | 1982-12-15 | — |
| Hanson, Town of | yes | — | — | 2021-07-06 | 1982-01-20 | — |
| Hingham, Town of | yes | — | — | 2024-07-03 | 1986-06-03 | — |
| Kingston, Town of | yes | — | — | 2021-07-06 | 1985-08-05 | — |
| Lakeville, Town of | yes | — | — | 2021-07-06 | 1980-06-04 | — |
| Marion, Town of | yes | — | — | 2021-07-06 | 1973-04-06 | — |
| Mattapoisett, Town of | yes | — | — | 2021-07-06 | 1973-03-16 | — |
| Middleborough, Town of | yes | — | — | 2021-07-06 | 1981-09-16 | — |
| Norwell, Town of | yes | — | — | 2024-07-03 | 1982-07-19 | — |
| Pembroke, Town of | yes | — | — | 2021-07-06 | 1979-11-15 | — |
| Plympton, Town of | yes | — | — | 2021-07-06 | 1982-07-05 | — |
| Rochester, Town of | yes | — | — | 2021-07-06 | 1982-07-05 | — |
| Rockland, Town of | yes | — | — | 2024-07-03 | 1982-07-19 | — |
| Wareham, Town of | yes | — | — | 2021-07-06 | 1971-05-28 | — |
| West Bridgewater, Town of | yes | — | — | 2012-07-17 | 1982-06-15 | — |
| Whitman, Town of | yes | — | — | 2021-07-06 | 1981-07-02 | — |
Questions about flood insurance in Plymouth County
How much is flood insurance in Plymouth County?
NFIP policyholders in Plymouth County paid a median of $1,512 for residential policies effective 2025 (7,187 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $1,075 and $2,238; $1,636 inside the Special Flood Hazard Area against $1,043 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Plymouth County had?
897 NFIP building claims were paid (year of loss 2015-2024), with a median of $14,482; the year with the most was 2018 (600), and the named event with the most was Hurricane Ida (6). These are amounts paid, not repair cost.
Is Plymouth County in a flood zone?
Of the residential NFIP policies of Plymouth County (policies effective 2025), 6,253 are rated inside the Special Flood Hazard Area and 934 outside it (zones listed: AE, VE, X, AO, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Statewide figures: Massachusetts flood insurance data.
Named storms with paid claims in Plymouth County
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A county figure can rest on one disaster, and FEMA’s county code may not be the county where every property stands. Method and limits.
Source and notice
- Dominant event: Hurricane Ida = 0.007 of paid claims 2015-2024.
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).