InsureWatch

02140

Elevated55

Cambridge, Massachusetts — Middlesex County

Pop. 21,553Median Income $137,792Median Home $994,800
0/ 100Elevated Risk

2025 Estimated Premium

$2,878/yr

+10.8% from 2022 actual ($2,597)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,597

-0.4%

2018–2025

Nonrenewal Rate

1.06%

2018–2022

Claim Frequency

4.2%

Avg Claim Amount

$22,830

Score Breakdown

Premium Level (25%)90
Premium Trend (20%)48
Nonrenewal Risk (20%)58
Storm Exposure (15%)27
Affordability (10%)37
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201857 events
Property damage$190,500
36 flood
19
201932 events
Property damage$46,350
2 hail12 flood
20
202072 events
Property damage$462,100
5 hail10 flood
21
202130 events
Property damage$487,400
2 tornado7 flood
22
202234 events
Property damage$74,300
6 flood
23
202360 events
Property damage$75,500
1 hail37 flood
24
202424 events
Property damage$21,100
2 flood
25
202530 events
Property damage$62,400
1 tornado2 hail1 flood

Nearby ZIP Codes

02144Somerville, MA
56Elevated
02138Cambridge, MA
64High
02143Somerville, MA
57Elevated
02134Boston, MA
64High
02145Somerville, MA
58Elevated

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.