Cambridge, MA Flood Zone Lookup
Last updated: March 2026
Cambridge faces flooding from the Charles River and coastal storm surge propagating up the river. Low-lying areas along the river and near Alewife Brook are in mapped flood zones.
Middlesex County has recorded 3,749 NFIP flood insurance claims since 1978, totaling $36.4M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 1
NFIP Policies
8,631
Middlesex County
Avg. Premium
$794/yr
Middlesex County
FEMA Flood Risk Profile: Middlesex County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $224.4M
Coastal Flood Risk
Relatively LowEst. annual loss: $418K
Hurricane Risk
Relatively HighEst. annual loss: $30.1M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Middlesex County
Middlesex County has been included in 13 federal flood-related disaster declarations.
...and 5 earlier declarations since 1985.
These declarations affected communities across Middlesex County, including Cambridge.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Middlesex County
Properties in Middlesex County have filed 3,749 NFIP flood insurance claims totaling $36.4M in payouts since 1978. The average claim payout is $10K.
Highest-Claim Years
2010
658 claims - $10.3M
1979
354 claims - $1.5M
2006
332 claims - $7.7M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Middlesex County
Only roughly 1 in 75 households in Middlesex County carries NFIP flood insurance (1% of estimated households). With 225 recorded flood events and $57.5M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
1%
roughly 1 in 75 households
Historical Claims Ratio
1 in 2
3,749 claims over 45+ years across 8,631 current policies
Avg. Claim Payout
$9,714
Per claim, county-wide since 1978
Historically, Middlesex County has averaged 1 claim for every 2 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Cambridge.
What Your Flood Zone Means in Cambridge
Cambridge faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Cambridge are Zone AE, Zone AO, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $224.4M. Cambridge has Zone AO areas subject to sheet-flow flooding, where shallow water spreads across broad, flat terrain rather than channeling through waterways.
With both riverine and urban stormwater flood risk, insurance costs in Cambridge depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood zone boundaries in Cambridge can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Cambridge address.
Repetitive Loss Properties: Middlesex County
Middlesex County has 390 properties with multiple flood insurance losses, including 26 severe repetitive loss properties. 1 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
390
2+ claims within 10 years
Severe Repetitive Loss
26
4+ claims or 2 exceeding value
Mitigated
1
Received FEMA mitigation
By Flood Zone
Zone data available for 371 of 390 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Middlesex County
NOAA has recorded 225 flood events in Middlesex County since 1996, causing $57.5M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Middlesex County
FEMA has funded mitigation for 24 properties in Middlesex County, investing $0 in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: Cambridge
Cambridge participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 9
SFHA Premium Discount
5% off
CRS classes range from 1 (best) to 10 (no discount). Cambridge's Class 9 rating means NFIP policyholders in the SFHA can receive up to a 5% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Cambridge, MA Flood Zone FAQ
What flood zones are in Cambridge, MA?
The most common FEMA flood zones in Cambridge are Zone AE, Zone AO, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Cambridge?
If your Cambridge property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Cambridge?
Enter your Cambridge address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Cambridge offer flood insurance discounts?
Yes. Cambridge participates in FEMA's Community Rating System (CRS) with a Class 9 rating, qualifying residents in the Special Flood Hazard Area for up to a 5% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Cambridge experienced major flooding events?
Middlesex County, where Cambridge is located, has been part of 13 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Lee in 2023. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Cambridge?
Middlesex County has recorded 3,749 NFIP flood insurance claims totaling $36.4M in payouts since 1978. The year with the most claims was 2010, with 658 claims and $10.3M in payouts. These figures cover all NFIP claims in the county, including Cambridge.
How many flood insurance policies are active in Cambridge?
Middlesex County currently has 8,631 active NFIP flood insurance policies with an average annual premium of $794. The most policies are in Zone AE (4,428 policies). These figures cover all active NFIP policies in the county.
How many Cambridge properties have flooded repeatedly?
Middlesex County has 390 properties with multiple flood losses on record, including 26 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Cambridge property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Cambridge?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Cambridge's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Massachusetts Cities
Understanding Flood Zones
Look Up Any Cambridge, MA Address
Enter a Cambridge, MA address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.