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Flooding in Boston WHAT YOU NEED TO KNOW
Boston is a historic city with a modern flood problem. From rising sea levels in the Boston Harbor to heavy rain overwhelming old drainage systems, flood risk is growing in both coastal and inland neighborhoods. The city’s dense development, combined with outdated infrastructure, means that even short storms can result in flooded streets, basements, and properties.
Studies show that over 19,000 homes in Boston are currently at risk of flooding, a number which is likely to increase over time. However, what many Boston homeowners don’t realize is that standard homeowners insurance does not cover flood damage. To protect your home, belongings, or investment property, you’ll need separate private flood insurance in Boston, MA.
Flood Zones in Boston
Boston includes a wide range of FEMA-designated flood zones, particularly along its waterfront neighborhoods and areas near rivers, marshes, and aging storm drains. Properties in Zone AE, VE, or AO are considered high-risk and may require flood insurance if you have a federally backed mortgage.
But even Zone X areas, which are designated as moderate to low risk, are vulnerable to urban flooding. FEMA data shows that 40% of flood claims come from outside high-risk zones.
Some flood-prone areas in Boston include:
- East Boston and Charlestown (ZIPs: 02128, 02129) – vulnerable to storm surge and sea level rise
- South Boston and Seaport (ZIPs: 02210, 02127) – major development in a floodplain.
- Back Bay and Fenway (ZIPs: 02115, 02116) – built on filled marshland, prone to heavy rain flooding.
- Dorchester and Mattapan (ZIPs: 02124, 02126) – inland flooding from poor drainage and runoff.
- Cambridgeport and Allston (ZIPs: 02139, 02134) – close to the Charles River and at risk during snowmelt or heavy storms.
Want to purchase private flood insurance in Chicago, IL, but need help identifying your flood zone? Our team of expert advisors at Advantage Flood can check for you and explain what it means for your property.
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When is flood season in Boston
Boston’s flood season runs from late fall through early spring, with the greatest risk between November and April. This is when northeasters, snowmelt, and tidal surges are most common. That said, summer thunderstorms and climate-driven high tides (king tides) can also lead to flooding, even when skies are mostly clear. Boston’s exposure to both coastal and inland flood threats means year-round private flood insurance in Boston, MA is essential.
Common causes of flooding in Boston
Boston's flooding problem originates from natural and man-made obstacles. Typical reasons are:
Storm surge caused by coastal storms or nor'easters – drives seawater into low-lying communities
Flash flooding and heavy rainfall – overwhelms Boston's older drainage systems, particularly within urban areas
River and creek overflow – the Charles River and smaller waterways quickly rise up during snowmelt or storms
Tidal flooding – high tides, particularly around full moons or wind events, can force water into coastal streets
Basement flooding due to poor runoff – typical in older structures with aging foundations and sump pumps
Even if your home has never flooded before, sea level rise, infrastructure strain, and volatile weather make getting private flood insurance in Boston, MA a wise decision.
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Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
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