Springfield, MA Flood Zone Lookup
Last updated: March 2026
Springfield sits along the Connecticut River and faces major riverine flood risk. The city has experienced significant floods from the Connecticut River and Mill River during heavy rainfall events.
Hampden County has recorded 278 NFIP flood insurance claims since 1978, totaling $2.7M 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
755
Hampden County
Avg. Premium
$1,633/yr
Hampden County
FEMA Flood Risk Profile: Hampden 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: $74.6M
Hurricane Risk
Relatively HighEst. annual loss: $11.8M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Hampden County
Hampden County has been included in 8 federal flood-related disaster declarations.
These declarations affected communities across Hampden County, including Springfield.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Hampden County
Properties in Hampden County have filed 278 NFIP flood insurance claims totaling $2.7M in payouts since 1978. The average claim payout is $10K.
Highest-Claim Years
1984
39 claims - $120K
2005
37 claims - $761K
2011
36 claims - $1.0M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Hampden County
Only roughly 1 in 244 households in Hampden County carries NFIP flood insurance (0.4% of estimated households). With 117 recorded flood events and $2.4M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.4%
roughly 1 in 244 households
Historical Claims Ratio
1 in 3
278 claims over 45+ years across 755 current policies
Avg. Claim Payout
$9,680
Per claim, county-wide since 1978
Historically, Hampden County has averaged 1 claim for every 3 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 Springfield.
What Your Flood Zone Means in Springfield
Springfield faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Springfield are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $74.6M.
Riverine flood risk in Springfield is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. 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.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Springfield address.
Repetitive Loss Properties: Hampden County
Hampden County has 9 properties with multiple flood insurance losses, including 0 severe repetitive loss properties. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
9
2+ claims within 10 years
Severe Repetitive Loss
0
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Hampden County
NOAA has recorded 117 flood events in Hampden County since 1996, causing $2.4M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Springfield, MA Flood Zone FAQ
What flood zones are in Springfield, MA?
The most common FEMA flood zones in Springfield are Zone AE, 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 Springfield?
If your Springfield 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 Springfield?
Enter your Springfield 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.
How high is flood risk in Springfield?
According to FEMA's National Risk Index, Hampden County (where Springfield is located) has a "Relatively High" rating for inland flood risk. The estimated annual flood loss for the county is $74.6M. This county-level assessment considers historical flood losses, social vulnerability, and community resilience.
Has Springfield experienced major flooding events?
Hampden County, where Springfield is located, has been part of 8 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 Springfield?
Hampden County has recorded 278 NFIP flood insurance claims totaling $2.7M in payouts since 1978. The year with the most claims was 1984, with 39 claims and $120K in payouts. These figures cover all NFIP claims in the county, including Springfield.
How many flood insurance policies are active in Springfield?
Hampden County currently has 755 active NFIP flood insurance policies with an average annual premium of $1,633. The most policies are in Zone AE (438 policies). These figures cover all active NFIP policies in the county.
How many Springfield properties have flooded repeatedly?
Hampden County has 9 properties with multiple flood losses on record, including 0 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 Springfield 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 Springfield?
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 Springfield'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 Springfield, MA Address
Enter a Springfield, 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.