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Flood history · Hull, MA 02045

Flood insurance claims in Hull, MA 02045

2,369 claims since 1978 and $17.5 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 02045
2,369flood insurance claims since 1978
$17.5 millionpaid to policyholders
$9,000average paid claim
147claims in the last 10 years
10%of claims outside high-risk zones
#3of 506 Massachusetts ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 02045 since 1978.

1978: 276 claims1979: 191 claims1980: 4 claims1981: 21 claims1982: 90 claims1983: 40 claims1984: 31 claims1986: 12 claims1987: 143 claims1988: 4 claims1989: 3 claims1990: 7 claims1991: 539 claims1992: 293 claims1993: 15 claims1994: 6 claims1996: 41 claims1997: 22 claims1998: 9 claims1999: 1 claims2000: 5 claims2001: 64 claims2002: 9 claims2003: 46 claims2004: 8 claims2005: 40 claims2006: 79 claims2007: 26 claims2008: 1 claims2010: 108 claims2011: 2 claims2012: 3 claims2013: 51 claims2014: 3 claims2015: 27 claims2016: 2 claims2017: 1 claims2018: 133 claims2020: 1 claims2021: 3 claims2022: 2 claims2023: 1 claims2024: 5 claims2025: 1 claims19801990200020102020

What the record says

Almost all claims here (90%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.

Losses are spread across many events; the largest, The "Halloween" Storm, accounts for 22% of claims.

147 claims were filed in the last 10 years.

The most commonly recorded cause is tidal water overflow: coastal surge and high tides.

Hull, Town Of takes part in FEMA's Community Rating System (class 7), which can lower flood insurance premiums by up to 15% in high-risk zones.

Biggest flood events

EventYearClaimsShare
The "Halloween" Storm199153022%
Unnamed flooding198745119%
December Storm - Nor'easter199228912%
Not a named storm197925211%
March 2010 Nor'easter2010301%
April 2007 Nor'easter2007231%

Flood zone at time of claim

High-risk zones (A, V)66% · 1,560
Moderate or minimal risk (X, B, C)7% · 171
Zone not recorded27% · 638

NFIP communities

Hull, Town OfCRS class 7 · up to 15% off

Federal disaster declarations in Plymouth 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 · Major disaster · 2012-12-19
Hurricane SandyHurricane · Emergency · 2012-10-28

14 flood, storm or hurricane declarations for Plymouth County since 2000.

Check a specific address in Hull.

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

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Nearby Massachusetts ZIP codes

02043

Hingham

140 claims · $1.3 million paid

02025

Cohasset

148 claims · $1.5 million paid

02191

North Weymouth

238 claims · $2.2 million paid

02169

Quincy

1,434 claims · $12.4 million paid

02170

Quincy

146 claims · $532,160 paid

02171

Quincy

238 claims · $1.1 million paid

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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