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Flood history · Lawrence, MA 01841

Flood insurance claims in Lawrence, MA 01841

261 claims since 1978 and $5.2 million paid. Here's what the public record shows, and how to check a specific address.

261flood insurance claims since 1978
$5.2 millionpaid to policyholders
$24,306average paid claim
15claims in the last 10 years
18%of claims outside high-risk zones
#25of 506 Massachusetts ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 01841 since 1978.

1978: 5 claims1979: 1 claims1984: 2 claims1987: 27 claims1988: 1 claims1993: 2 claims1994: 1 claims1996: 17 claims1998: 4 claims2001: 23 claims2002: 1 claims2003: 3 claims2004: 5 claims2005: 1 claims2006: 112 claims2007: 6 claims2008: 4 claims2009: 2 claims2010: 25 claims2011: 1 claims2012: 1 claims2013: 1 claims2014: 1 claims2017: 2 claims2019: 1 claims2020: 3 claims2022: 1 claims2023: 7 claims2025: 1 claims19801990200020102020

What the record says

82% of claims were on properties in high-risk zones and 18% outside them.

Losses are spread across many events; the largest, Unnamed flooding, accounts for 20% of claims.

15 claims were filed in the last 10 years.

The most commonly recorded cause is rivers, streams or lakes overflowing.

Biggest flood events

EventYearClaimsShare
Unnamed flooding19875220%
March 2010 Nor'easter2010208%
April 2007 Nor'easter200752%
Not a named storm197910%
December Nor'easter202310%
Hurricane Sandy201210%

Flood zone at time of claim

High-risk zones (A, V)81% · 211
Moderate or minimal risk (X, B, C)18% · 47
Zone not recorded1% · 3

NFIP communities

Lawrence, City OfParticipates in the NFIP

Federal disaster declarations in Essex County

Flood, hurricane and storm declarations since 2000.

Hurricane LeeHurricane · Emergency · 2023-09-15
Severe Winter Storm And FloodingSevere Storm · Major disaster · 2018-06-25
Severe Winter Storm, Snowstorm, And FloodingSevere Storm · Major disaster · 2015-04-13
Severe Winter Storm, Snowstorm, And FloodingSevere Storm · Major disaster · 2013-04-19
Hurricane SandyHurricane · Emergency · 2012-10-28
Severe StormSevere Storm · Emergency · 2011-11-01

16 flood, storm or hurricane declarations for Essex County since 2000.

Check a specific address in Lawrence.

ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.

Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.

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