Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Massachusetts
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Massachusetts ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Suffolk County | $357 | Relatively Moderate | $680,700 |
| 2 | Bristol County | $376 | Relatively Moderate | $421,800 |
| 3 | Worcester County | $489 | Relatively Moderate | $390,700 |
| 4 | Middlesex County | $510 | Relatively High | $687,200 |
| 5 | Norfolk County | $522 | Relatively Moderate | $649,400 |
| 6 | Plymouth County | $569 | Relatively Moderate | $513,000 |
| 7 | Hampden County | $579 | Relatively Moderate | $276,300 |
| 8 | Hampshire County | $603 | Relatively Low | $363,400 |
| 9 | Essex County | $638 | Relatively High | $584,000 |
| 10 | Franklin County | $726 | Relatively Low | $303,400 |
| 11 | Barnstable County | $800 | Relatively Moderate | $575,900 |
| 12 | Berkshire County | $916 | Relatively Moderate | $283,800 |
| 13 | Dukes County | $992 | Very Low | $1,104,100 |
| 14 | Nantucket County | $4,532 | Very Low | $1,387,000 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Massachusetts