Flood history · Lowell, MA 01851
Flood insurance claims in Lowell, MA 01851
63 claims since 1978 and $627,978 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 01851 since 1978.
What the record says
77% of claims were on properties in high-risk zones and 23% outside them.
Losses are spread across many events; the largest, March 2010 Nor'easter, accounts for 24% of claims.
2 claims were filed in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| March 2010 Nor'easter | 2010 | 15 | 24% |
| Unnamed flooding | 2001 | 13 | 21% |
| Not a named storm | 1979 | 5 | 8% |
| April 2007 Nor'easter | 2007 | 2 | 3% |
| December Nor'easter | 2023 | 1 | 2% |
| Hurricane Bob | 1991 | 1 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Middlesex County
Flood, hurricane and storm declarations since 2000.
15 flood, storm or hurricane declarations for Middlesex County since 2000.
Check a specific address in Lowell.
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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