STATE RISK ROLL-UP

Massachusetts

Across 14 counties, FEMA rates 2 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low4

Moderate8

Elevated2

High0

Dominant hazards

The hazards most often rated elevated or higher across Massachusetts's counties:

Flooding — 9 counties
Hurricane — 6 counties
Tornado — 1 county
Extreme heat — 1 county

Highest-risk counties

County	FEMA composite	Score
Middlesex County	Relatively High	97
Essex County	Relatively High	96
Suffolk County	Relatively Moderate	94
Worcester County	Relatively Moderate	94
Hampden County	Relatively Moderate	93
Norfolk County	Relatively Moderate	92

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-08