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Home insurance & flood costs in ZIP 01843 (Lawrence, MA)

Plain facts for homeowners in Lawrence: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 01843 at a glance

Four numbers most homeowners ask about first.

$1,693
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

Too few
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.50%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

2.7%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 01843 in numbers
$16,202
average paid claim (2022)
0%
premium change 2018–2022, after inflation
1.80%
cancelled by insurers mid-term (2022)
8
single-family NFIP 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

The average premium per policy in ZIP 01843 was $1,693 in 2022, 17% below the Essex County typical ZIP ($2,041) and 9% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it held roughly steady between 2018 and 2022. About 2.7% of policies here had a paid claim in 2022, and insurers chose not to renew 1.50% of policies.

Essex County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 01843EssexU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Only 8 single-family NFIP policies took effect in ZIP 01843 in 2025, too few for a meaningful average. The Essex County average was $1,525.

Flood insurance data

Too few NFIP policies here to show reliable averages. FEMA's Flood Map Service Center shows the flood zone for any address.

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Essex County

The chart shows the share of homeowners policies in ZIP 01843 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Essex County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Coastal flooding98 · Very High
  • Ice storm97 · Very High
  • Inland flooding97 · Relatively High
  • Lightning95 · Relatively High
  • Earthquake95 · Relatively Moderate

Other ZIP codes in Essex County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 34; see the county page for all.

01810 Andover · $2,34401830 Haverhill · $1,70501832 Haverhill · $1,63501833 Georgetown · $1,90001834 Groveland · $1,79901835 Haverhill · $1,69101841 Lawrence · $1,96601844 Methuen · $1,61301845 North Andover · $2,07001860 Merrimac · $1,74601902 Lynn · $2,17201904 Lynn · $1,964

Practical next steps

Simple things homeowners in ZIP 01843 can do with this information.

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.
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.
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.
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.

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.