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Suffolk County, MA flood risk and natural hazards

FEMA rates none of the 7 reviewed hazards as Very High in Suffolk County, MA. Modeled losses from natural hazards (expected annual loss) average about $115 million a year, for a population of 796,326. These county figures come from the FEMA National Risk Index, December 2025 release. Observation windows vary by metric and sit beside the tables below.

Modeled expected annual loss
$114.9 million / year
US loss rank
#262 of 3,232
State loss rank
#5 of 14
Loss per resident
$144 · state $210 · US $459
FEMA overall risk rating
Relatively Moderate

Massachusetts county modeled loss

Suffolk County, MA: $114.9 millionFranklin County, MA: 19.91% of Suffolk lossPlymouth County, MA: 99.51% of Suffolk lossBerkshire County, MA: 45.06% of Suffolk lossBristol County, MA: 75.95% of Suffolk lossNorfolk County, MA: 127.89% of Suffolk lossNantucket County, MA: 19.91% of Suffolk lossHampden County, MA: 92.88% of Suffolk lossEssex County, MA: 173.06% of Suffolk lossWorcester County, MA: 141.73% of Suffolk lossHampshire County, MA: 32.45% of Suffolk lossDukes County, MA: 6.36% of Suffolk lossBarnstable County, MA: 71.67% of Suffolk lossMiddlesex County, MA: 280.25% of Suffolk lossSuffolk County, MA: detailed page available
  • Positive estimates to $22.9 million
  • Above $22.9 million to $82.3 million
  • Above $82.3 million to $114.3 million
  • Above $114.3 million to $162.8 million
  • Above $162.8 million to $321.9 million
  • No FEMA estimate

Suffolk County, MA ranks #5 of 14 in the state for modeled expected annual loss; the outline locates it.

View chart data

Is Suffolk County at risk of flooding?

FEMA labels riverine flooding Relatively High and coastal flooding Relatively High. Modeled annual riverine flood loss is $59,518,167; coastal flood loss is $6,288,266. These are separate hazards and county totals. A rating describes relative county risk. It does not locate water at a building or establish a flood zone. Read missing statuses using the source documentation. Keep both source labels when comparing counties. Read the county rating versus flood-zone guide before requesting a location check.

Look up an address and its flood zone through FEMA’s Flood Map Service Center.

The local hazard planning document is City of Boston Natural Hazard Mitigation Plan. Suffolk County has no county-level plan. Local governments use this plan to set out hazards and proposed projects.

What natural hazards affect Suffolk County most?

Show tabular data
CountyModeled expected annual loss (USD/year)Overall risk rating
Suffolk County, MA114,876,837.32Relatively Moderate
Fixed snapshot: FEMA National Risk Index (December 2025 release). Each metric retains its label, unit and observation window; source release and observation periods are documented separately.
Show tabular data
Hazard ratings · original FEMA source labels
HazardSource labelObservation window
Coastal floodingRelatively High1996-2023
Riverine floodingRelatively High1996-2023
HurricaneRelatively High1851-2024
WildfireVery Low1996-2023
EarthquakeRelatively Moderate1996-2023
TornadoRelatively Moderate1950-2023
Heat waveRelatively High2005-2024
HISTORICAL CLIMATE / REGIONAL CONTEXT

How have heat and rain changed in Suffolk County?

Hot days

Days / year1991–20000.91991–2000: 0.90 Days / year2016–20251.22016–2025: 1.20 Days / year05.0

Hot days increased between the two decades.

View chart data
PlaceDays / year
1991–20000.90
2016–20251.20

Warm nights

Days / year1991–20000.00 days per year1991–2000: 0.00 Days / year2016–20250.12016–2025: 0.10 Days / year05.0

Warm nights increased between the two decades.

View chart data
PlaceDays / year
1991–20000.00
2016–20250.10

Heavy-precipitation days

Days / year1991–20001.21991–2000: 1.20 Days / year2016–20251.32016–2025: 1.30 Days / year05.0

Heavy-precipitation days increased between the two decades.

View chart data
PlaceDays / year
1991–20001.20
2016–20251.30

Humid-heat days

Days / year1991–20000.11991–2000: 0.10 Days / year2016–20250.22016–2025: 0.20 Days / year05.0

Humid-heat days increased between the two decades.

View chart data
PlaceDays / year
1991–20000.10
2016–20250.20
NASA satellite-and-model climate data are sampled near the US Census Bureau’s 2020 county center of population. This is regional context, not a county average or a property finding.
Suffolk County · FIPS 25025 · annual decade means · NASA; humid heat: Copernicus (ECMWF)
Measure1991–20002016–2025Change
Hot days · ≥35°C (95°F)0.91.2+0.3
Humid-heat days · heat index ≥103°F (39.4°C)0.10.2+0.1
Warm nights · ≥24°C (75.2°F)0.00.1+0.1
Heavy-rain days · ≥50 mm (≈2 in)1.21.3+0.1
Annual maximum daily precipitation · mm66.956.1−10.8

Counts are days per year; a grid-cell zero does not mean the county had no such events. Thresholds, time bases and limits: county climate method.

Methodology & sensor cross-check notes

Hot-day cross-check: NOAA’s county-average daily maximum temperature gives 0.6 → 2.5 hot days a year (+1.9); NASA gives 0.9 → 1.2 (+0.3). Both series show an increase, with different counts and change sizes. The footprints differ, so agreement does not validate either count. Warm nights and precipitation were not cross-checked. Humid-heat row: Copernicus (ECMWF) reanalysis. It uses a different regional grid from the NASA measures.

No statistical significance, cause or future trend is established; this does not change the FEMA ratings above.

Climate data: NASA · Population context: US Census Bureau · Hot-day cross-check: NOAA county climate records · Humid heat: Copernicus (ECMWF). Method, sources and limitations · Climate JSON · Data credits.

EL NIÑO HISTORY / WINTER PRECIPITATION AND TEMPERATURE

How does El Niño affect Suffolk County winters?

Strong El Niño winter precipitation

1957–581957–58: 168.6% of normal precipitation1965–661965–66: 87.7% of normal precipitation1972–731972–73: 107.0% of normal precipitation1982–831982–83: 100.2% of normal precipitation1991–921991–92: 67.3% of normal precipitation1997–981997–98: 124.8% of normal precipitation2009–102009–10: 109.5% of normal precipitation2015–162015–16: 103.4% of normal precipitation2023–242023–24: 138.1% of normal precipitation100% (Normal)0%177%

7 of 9 strong El Niño winters were wetter than normal. The vertical line marks 100% of normal precipitation.

View chart data
WinterPrecipitation (% of normal)
1957–58168.630
1965–6687.711
1972–73106.985
1982–83100.250
1991–9267.258
1997–98124.803
2009–10109.507
2015–16103.412
2023–24138.068

NOAA and IRI both give 100% odds that El Niño conditions (tropical Pacific ONI of at least 0.5°C, not a local weather forecast) are present this winter. In Suffolk County, 7 of 9 past strong El Niño winters were wetter than normal; the median winter had 107% of normal precipitation (rain and melted snow). The driest, 1991–92, had 67%.

Suffolk County · Dec–Feb, strong El Niño winters · ONI peak °C · precipitation % of normal · temperature vs county trend · days with 1 inch or more of precipitation · flood claims filed (rank among 47 winters)
WinterONIPrecipitationTemp.Heavy daysClaims
1957–581.7169%+2.3°F7—
1965–661.688%+0.9°F3—
1972–731.8107%+0.9°F3—
1982–832.1100%+2.7°F65 (#17)
1991–921.567%+1.0°F11 (#36)
1997–982.4125%+3.0°F410 (#12)
2009–101.5110%−0.9°F45 (#17)
2015–162.6103%+4.6°F20
2023–242.0138%+3.2°F418 (#8)
Winter normals and temperature baseline

Suffolk County normals, 1990–91 to 2019–20 winters: 11.9 inches of precipitation (rain and melted snow) and 2.6 heavy days. Temperature is set against the county’s own winter trend of +0.7°F per decade since 1951–52.

Flood claims: December–February, from 1978 (— = before the data). The rank compares each winter with all 47 winters from 1978–79 to 2024–25 (#1 is the most claims; no rank is shown for 0 claims). The median winter had 4 claims; 4 of 6 strong winters in the data were above it. Insured exposure grew over time, so counts are not comparable across decades.

Past tendency is not a forecast and not a property-level finding. Before winter: four checks for property teams.

Sources: NOAA county climate records and Pacific climate assessments; FEMA National Flood Insurance Program claims. Method and limits · El Niño 2026–27.

What are the modeled losses by hazard?

From 1991–2000 to 2016–2025, hot days near Suffolk County changed from 0.9 to 1.2 per year. Heavy-rain days changed from 1.2 to 1.3. The table retains humid heat, warm nights and maximum daily rain. Compare the periods alongside the source notes. These decade means describe past conditions; they do not predict a future year or establish a trend.

Suffolk County’s modeled loss across all hazards is $114,876,837 per year. The FEMA National Risk Index ranks the hazards below by modeled loss, not rating category.

Show tabular data
Modeled Expected Annual Loss, ranked by total loss · county totals
HazardTotal loss ($/yr)Of which buildings ($/yr)Observation window
All hazards (composite)$114,876,837$88,962,7501996-2023
Riverine flooding$59,518,167$59,469,8941996-2023
Hurricane$12,923,252$12,415,9811851-2024
Earthquake$11,650,421$8,238,6511996-2023
Heat wave$9,433,776Not published2005-2024
Coastal flooding$6,288,266$5,228,3561996-2023
Tornado$2,596,006$2,217,5161950-2023
Wildfire$2,366$2,0761996-2023

These modeled county totals do not estimate property losses, insurance inputs or forecasts. Do not multiply them by location counts.

Reuse this chart

Chart of Suffolk County, MA modeled yearly loss by hazard: riverine flooding leads at $59.5M a year. Shows FEMA expected annual loss in dollars for 7 hazards.
Source: FEMA National Risk Index, December 2025 release. Modeled expected annual loss. Reuse this chart (CC BY 4.0).

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What is exposed in Suffolk County?

Population and asset values show the scale behind county losses. These county totals are exposure measures, not loss figures.

Show tabular data
Population and asset values · county totals
MeasureValueObservation window
Resident population796,3262020-2020
Building replacement value$133,088,168,3672020-2020
Agricultural market value$670,8452022-2022

What do vulnerability and resilience show?

These relative rankings describe susceptibility to hazard impacts and capacity to recover. They measure no individual asset or outcome.

Show tabular data
Community vulnerability and resilience · index scores 0–100
MeasureScoreObservation window
Social vulnerability index70.62020-2020
Community resilience index95.52020-2020

Suffolk County in the state and national rankings

National placement for Suffolk County is #262 of 3,232, with an expected annual loss estimate of about $114.9 million. A #5 of 14 state ranking accompanies its 7.8% share of the Massachusetts loss total. The modeled $114.9 million annual average does not predict the loss in any single year. Lancaster County, NE ranks immediately above it, with about $115.4 million in modeled annual loss. The next lower national total is about $114.8 million, in Sangamon County, IL. The next higher total within Massachusetts belongs to Norfolk County, MA, at about $146.9 million. That puts the estimates about $32.0 million apart, with 9.9% of state loss in the comparison county. The next lower total within Massachusetts belongs to Plymouth County, MA, at about $114.3 million. The dollar gap is about $564,000; that county accounts for 7.7% of statewide modeled loss.

Massachusetts county comparisons

County hazard loss mix

Riverine Flood$59.5 million · 51.8%Riverine Flood: 59,518,166.67 USD/year; 51.8%Hurricane$12.9 million · 11.2%Hurricane: 12,923,251.78 USD/year; 11.2%Earthquake$11.7 million · 10.1%Earthquake: 11,650,420.50 USD/year; 10.1%Heat Wave$9.4 million · 8.2%Heat Wave: 9,433,776.46 USD/year; 8.2%Cold Wave$8.7 million · 7.6%Cold Wave: 8,678,434.88 USD/year; 7.6%Coastal Flood$6.3 million · 5.5%Coastal Flood: 6,288,266.39 USD/year; 5.5%Other$6.4 million · 5.6%Other: 6,384,520.63 USD/year; 5.6%0$59.5 million

Riverine Flood leads the modeled expected annual loss mix; bar lengths share a zero baseline.

View chart data
HazardUSD / yearShare
Riverine Flood59,518,166.6751.8%
Hurricane12,923,251.7811.2%
Earthquake11,650,420.5010.1%
Heat Wave9,433,776.468.2%
Cold Wave8,678,434.887.6%
Coastal Flood6,288,266.395.5%
Other6,384,520.635.6%

National hazard loss ranks

Riverine Flood#214 of 3,232 US · #8 of 14 in MARiverine Flood: 93.41 percentileHurricane#201 of 2,485 US · #7 of 14 in MAHurricane: 91.95 percentileEarthquake#190 of 3,232 US · #3 of 14 in MAEarthquake: 94.15 percentileHeat Wave#94 of 3,202 US · #1 of 14 in MAHeat Wave: 97.10 percentileCold Wave#238 of 3,232 US · #3 of 14 in MACold Wave: 92.67 percentileCoastal Flood#48 of 588 US · #4 of 9 in MACoastal Flood: 92.01 percentile0100 percentile

Riverine Flood ranks #214 of 3,232 by modeled expected annual loss. Higher percentiles mean larger modeled losses.

View chart data
HazardRankPercentile
Riverine Flood#214 of 3,232 US · #8 of 14 in MA93.41
Hurricane#201 of 2,485 US · #7 of 14 in MA91.95
Earthquake#190 of 3,232 US · #3 of 14 in MA94.15
Heat Wave#94 of 3,202 US · #1 of 14 in MA97.10
Cold Wave#238 of 3,232 US · #3 of 14 in MA92.67
Coastal Flood#48 of 588 US · #4 of 9 in MA92.01

Modeled loss per resident

USD / resident / yearSuffolk$144Suffolk: 144.26 USD / resident / yearMassachusetts$210Massachusetts: 210.49 USD / resident / yearUS$459US: 459.35 USD / resident / year0$459

Suffolk has about $144 in modeled expected annual loss per resident. State and US values divide total loss by total population.

View chart data
PlaceUSD / resident / year
Suffolk144.26
Massachusetts210.49
US459.35

Suffolk County hazard estimates

Riverine Flood

The national loss rank for riverine flooding is #214 of 3,232, based on about $59.5 million in modeled expected annual loss. Its 51.8% share of total loss comes with a state loss rank of #8 of 14; FEMA assigns a Relatively High rating; for riverine flooding, 7 state counties and 186 US counties share that label.

Hurricane

With about $12.9 million in modeled expected annual loss from hurricanes, the county ranks #201 of 2,485 in the national comparison. In Massachusetts, this estimate ranks #7 of 14 and represents 11.2% of the county’s modeled loss; FEMA assigns a Relatively High rating; the Relatively High label covers 6 state counties and 118 nationally for hurricanes.

Earthquake

The national loss rank for earthquakes is #190 of 3,232, based on about $11.7 million in modeled expected annual loss. This hazard makes up 10.1% of the total; FEMA assigns a Relatively Moderate rating, and its loss ranks #3 of 14 in Massachusetts; for earthquakes, 5 state counties and 250 US counties share that label.

Heat Wave

With about $9.4 million in modeled expected annual loss from heat waves, the county ranks #94 of 3,202 in the national comparison. Its 8.2% share of total loss comes with a state loss rank of #1 of 14; FEMA assigns a Relatively High rating; for heat waves, 1 state county and 98 US counties share that label.

Cold Wave

With about $8.7 million in modeled expected annual loss from cold waves, the county ranks #238 of 3,232 in the national comparison. In Massachusetts, this estimate ranks #3 of 14 and represents 7.6% of the county’s modeled loss; FEMA assigns a Relatively High rating, matching 302 US counties, including 3 in Massachusetts, for this hazard.

Coastal Flood

The national loss rank for coastal flooding is #48 of 588, based on about $6.3 million in modeled expected annual loss. Its 5.5% share of total loss comes with a state loss rank of #4 of 9; FEMA assigns a Relatively High rating; the Relatively High label covers 2 state counties and 60 nationally for coastal flooding.

Between riverine flooding and hurricanes, the modeled dollar gap is about $46.6 million; their shares differ by 40.6 percentage points. Between hurricanes and earthquakes, the modeled dollar gap is about $1.3 million; their shares differ by 1.1 percentage points. About $2.2 million separates earthquakes from heat waves in the local estimates, equivalent to 1.9 percentage points of county loss. The loss estimate for heat waves exceeds cold waves by about $755,000, equivalent to 0.7 percentage points of total loss. Between cold waves and coastal flooding, the modeled dollar gap is about $2.4 million; their shares differ by 2.1 percentage points.

Population and recorded values

FEMA counts 796,326 residents in Suffolk County, across about 121 square miles. About $133.09 billion is the building value amount in FEMA’s record. The recorded agricultural value is about $671,000. Total modeled loss averages about $144 per resident annually, compared with about $210 statewide. Its 11.3% share of state residents sits alongside 7.8% of of annual loss. Buildings account for 9.3% of recorded Massachusetts building value. By recorded residents per square mile, the county places 1 among 14 Massachusetts county records with population and area values. Those recorded totals give about 6,558 residents per square mile, versus about 659 across Massachusetts. The median county population in Massachusetts is about 497,824, compared with 796,326 locally. The county’s national shares are 0.2% for population and 0.1% for modeled loss. Per-person modeled loss is about $144 locally; the corresponding US average comes to about $459. About $108.5 million of annual loss falls within the six leading hazards, accounting for 94.4% of the total. The balance outside those six estimates is about $6.4 million, or 5.6% of total loss. The estimate for tornadoes ranks #6 of 14 in Massachusetts: about $2.6 million annually, in local position 7. Its national loss rank is #857 of 3,225, and it represents 2.3% of the county’s modeled loss. The county’s number 8 hazard by dollar loss is lightning: about $2.3 million, with a state rank of #2 of 14. This 2.0% slice of county loss ranks #104 of 3,222 across US counties.

FEMA labels and risk score

Suffolk County has a FEMA risk index score of about 93.5, ranking #205 of 3,144 nationally. The risk index rating is Relatively Moderate, a label shared by 8 of 14 Massachusetts counties. FEMA labels expected annual loss as Relatively Moderate, matching 7 county records across Massachusetts. For social vulnerability, FEMA assigns Relatively High; 2 counties in Massachusetts have that label. For community resilience, FEMA assigns Very High; 13 counties in Massachusetts have that label. Its risk score ranks #4 of 14 within Massachusetts, while its loss total ranks #5 of 14. The Relatively High vulnerability and Very High resilience pairing appears in 1 Massachusetts counties. Those counties together hold 7.8% of Massachusetts modeled loss, including this county’s 100.0% share of their total. On the state risk-score list, Worcester County, MA sits immediately above, scoring about 93.5 and ranking #3 of 14. Its share of statewide modeled loss is 11.0%; FEMA’s risk index label there is Relatively Moderate. Hampden County, MA is next below it by state risk score, at about 92.8; that record ranks #5 of 14. For that neighboring score, the risk index category is Relatively Moderate, and the county’s state loss share is 7.2%. Across the US, this social vulnerability category, Relatively High, covers 15.4% of residents in 630 counties. Across the US, this community resilience category, Very High, covers 27.2% of residents in 629 counties. Across the county’s hazard ratings, 1 carry Very High: lightning. The county’s Relatively High group contains 5 hazards: coastal flooding, cold waves, heat waves, hurricanes, riverine flooding. Across the county’s hazard ratings, 5 carry Relatively Moderate: earthquakes, hail, ice storms, strong wind, tornadoes. FEMA assigns Relatively Low to 1 hazard here, covering winter weather. Across the county’s hazard ratings, 2 carry Very Low: landslides, wildfires.

What else should I know about Suffolk County?

What does FEMA estimate for wildfires in Suffolk County?

For wildfires, FEMA lists Suffolk County at Very Low, with about $2,000 in modeled expected annual loss.

What does FEMA estimate for winter weather in Suffolk County?

Suffolk County has about $43,000 in modeled expected annual loss from winter weather, with a Relatively Low rating.

What does FEMA estimate for coastal flooding in Suffolk County?

Suffolk County has about $6.3 million in modeled expected annual loss from coastal flooding, with a Relatively High rating.

What is the FEMA risk index rating for Suffolk County?

FEMA assigns Suffolk County a Relatively Moderate risk index rating.

Which hazard has the largest modeled loss in Suffolk County?

Riverine flooding leads Suffolk County, at about $59.5 million in modeled expected annual loss.

What does FEMA estimate for hail in Suffolk County?

For hail, FEMA lists Suffolk County at Relatively Moderate, with about $615,000 in modeled expected annual loss.

What building value does FEMA list for Suffolk County?

FEMA records about $133.09 billion of building value in Suffolk County.

Where next for Suffolk County?

See how the county compares across the state in Massachusetts natural hazard risk by county, download the FEMA county hazard data, or review the county climate risk data API and bulk files. Check the sources and what each measure can show on the methodology page.