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Home insurance & natural hazards in Middlesex County, MA

Calm, plain facts for homeowners in Middlesex County: what neighbors have paid for coverage, what flood insurance costs, and which weather hazards matter most here.

  • Typical premiums from U.S. Treasury insurance data
  • Flood insurance costs from 3,199 FEMA NFIP policies
  • 15 natural hazards rated by the FEMA National Risk Index
See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Middlesex at a glance

Four numbers most homeowners ask about first.

$1,880
Typical home premium

Per policy per year in 2022, median of 78 ZIP codes (inflation-adjusted).

$1,041
Avg. flood policy

Average full cost of a single-family NFIP policy that took effect in 2025.

0.94%
Nonrenewal rate

Share of policies insurers chose not to renew in 2022, median ZIP. Typical U.S. ZIP: 0.81%.

Rel. high
FEMA risk rating

Overall National Risk Index rating, higher than 96.9% of U.S. counties.

Middlesex County in numbers
1.63M
residents (2020 Census)
2.8%
of policies had a paid claim (2022, median ZIP)
$16,386
average paid claim (2022, median ZIP)
3,199
single-family NFIP flood policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Typical premiums in Middlesex County were $1,880 per policy in 2022, about the same as the typical Massachusetts ZIP code ($1,850) and 21% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, local premiums rose 4% between 2018 and 2022.

Premiums by ZIP

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
MiddlesexMassachusettsU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. The average single-family NFIP policy that took effect here in 2025 cost $1,041, compared with $994 in 2022. About 53% of local policies are for homes in high-risk A or V zones and 47% in moderate- to lower-risk zones.

Flood costs by ZIP

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

3,199 policies
A zones 53%X/B/C zones 47%V zones 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars show how Middlesex compares with every U.S. county for each hazard (100 = highest). Ice storm, inland flooding and lightning rank highest here. A high rank doesn't mean an event is likely in any given year. It shows where preparation and the right coverage matter most.

How the ratings work

Hazard risk, national percentile

Higher than X% of U.S. counties

Compare nearby

Neighboring counties

Typical premium 2022 (Treasury FIO), nonrenewal 2022, avg. flood policy 2025 (NFIP)
CountyPremiumNonrenewalFlood
Suffolk County$2,4711.66%$1,888
Essex County$2,0410.94%$1,525
Middlesex County$1,8800.94%$1,041
Norfolk County$1,8600.92%$1,431
Worcester County$1,6430.97%$962
Hillsborough County, NH$1,3550.90%$1,522

Flood insurance by ZIP, 2025

FEMA NFIP, single-family homes, ZIPs with the most policies
ZIPPoliciesAvg. cost
02459 Newton Center144$884
01821 Billerica134$1,319
01876 Tewksbury134$1,046
02148 Malden108$1,470
01730 Bedford106$1,061
01702 Framingham98$1,027
01890 Winchester95$1,351
01801 Woburn87$709

ZIP code pages in Middlesex County

01432 Ayer01450 Groton01460 Littleton01463 Pepperell01464 Shirley01469 Townsend01701 Framingham01702 Framingham01720 Acton01721 Ashland01730 Bedford01741 Carlisle01742 Concord01746 Holliston01748 Hopkinton01749 Hudson01752 Marlborough01754 Maynard01760 Natick01775 Stow01776 Sudbury01778 Wayland01801 Woburn01803 Burlington01821 Billerica01824 Chelmsford01826 Dracut01850 Lowell01851 Lowell01852 Lowell01854 Lowell01862 North Billerica01863 North Chelmsford01864 North Reading01867 Reading01876 Tewksbury01879 Tyngsboro01880 Wakefield01886 Westford01887 Wilmington01890 Winchester02138 Cambridge02139 Cambridge02140 Cambridge02143 Somerville02144 Somerville02145 Somerville02148 Malden02149 Everett02155 Medford02176 Melrose02180 Stoneham02420 Lexington02421 Lexington02451 Waltham02452 Waltham02453 Waltham02458 Newton02459 Newton Center02460 Newtonville02461 Newton Highlands02465 West Newton02468 Waban02472 Watertown02474 Arlington02476 Arlington02478 Belmont02493 Weston

Practical next steps

Simple things Middlesex homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, 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). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.