01301 Flood Zone & Insurance Cost (2026)
01301 in Greenfield, MA: flood and extreme heat risk, est. insurance $1,914–$3,536/yr, and buyer guidance before you close.
Greenfield, Massachusetts 01301
Data retrieved: Sep 14, 2026 at 14:50 UTC
Overall Risk
Below the national median (safer than most)
County-level composite
Est. Annual Insurance
$1,914 – $3,536
Directional range
Premium Strain
2.7% of median income
elevated
Flood Insurance
Likely required
FEMA NFHL flagged SFHA
Flood-first due diligence
Is 01301 in a flood zone — and what will insurance cost?
- FEMA maps flag SFHA exposure in parts of 01301; lenders often require a separate flood policy.
- Budget homeowners around $1,914–$3,536/yr, then add a flood quote if the parcel is in an SFHA.
- Compare 01301 with nearby ZIPs in Greenfield before you lock price or inspection timelines.
Quick buyer brief
What makes 01301 different
A short, indexable summary for buyers comparing 01301 with nearby options in Greenfield.
01301 ranks below the national median (safer than most) for overall climate risk, with the biggest current drivers being flood or extreme-heat.
Buyers in this ZIP should budget roughly $1,914 - $3,536/yr for homeowners insurance before carrier-specific adjustments. FEMA data suggests some addresses may require flood insurance.
If you are choosing between nearby ZIP codes, compare this page with the state overview and the nearby-ZIP links below before you write an offer.
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Market Pressure
MODERATE
Massachusetts's admitted-carrier market is showing mild contraction. A broker with state-specific experience helps.
Admitted Market Share
77%
Carriers exiting at 3.4% YoY in Massachusetts.
Residual Market
$2,000–$3,800
annual · last-resort
FAIR Plan / Citizens exposure up 21% since 2020.
Premium Strain Index
Insurance is roughly 2.7% of median household income — above the 2% middle-income affordability benchmark.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $1,914 to $3,536. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Franklin County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Below the national median (safer than most)
Hurricane
LowBottom 20% nationally (safer than most)
Earthquake
MinimalAround the national median
Extreme Heat
ModerateAbove the national median (top 26% most at-risk)
Flood
HighBelow the national median (safer than most)
Wildfire
LowBelow the national median (safer than most)
Severe Storm / Tornado
LowLocal Flood Risk Cost Estimator
Flood insurance costs in Greenfield, MA
In Greenfield, MA, the directional annual NFIP flood insurance premium is approximately $2,020 (range $1,500–$3,500), and the estimated average historical flood claim in Franklin is $65,728. Typical mapped exposure aligns with Zone A / AE (SFHA) (county flood percentile: 74).
- NFIP premium (mid)
- $2,020/yr
- Monthly escrow slice
- $125–$292/mo
- Avg. paid claim
- $65,728
- Lender may require
- Likely yes (SFHA)
What each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
NRI inland hurricane / tropical-storm remnant risk: Below the national median (safer than most) for inland wind and rain exposure (county-level, based on historical tropical cyclone tracks). Storm surge does not apply at this inland location.
FEMA · National Risk Index (HRCN)
Earthquake Risk
Bottom 20% nationally (safer than most) for earthquake exposure. USGS PGA: 0.092g (site class D). Geologically stable region; earthquake is not a meaningful property risk here.
USGS · Design Maps (ASCE 7-16) + NRI
Extreme Heat
Long-term heat risk: Around the national median (NRI county baseline). This reflects multi-decadal extreme-heat exposure, not the current week's weather.
NOAA · National Risk Index (HWAV)
Flood Risk
County NRI flood risk: Above the national median (top 26% most at-risk) for flood exposure. NFHL parcel query unavailable.
FEMA · National Risk Index
Wildfire Risk
Blended wildfire risk: Below the national median (safer than most). USDA Wildfire Hazard Potential at parcel: Low (Class 2/5). County NRI wildfire risk: Below the national median (safer than most). The parcel-level USDA score moderates the county NRI signal.
USDA · WHP + National Risk Index
Severe Storm / Tornado
NRI severe-storm risk: Below the national median (safer than most) for severe-thunderstorm, hail, straight-line wind, and tornado exposure (county-level).
FEMA · National Risk Index (TRND)
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
Massachusetts's admitted-carrier market is showing mild contraction. A broker with state-specific experience helps.
Data Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved September 14, 2026
FEMA— National Risk Index (HRCN)
Retrieved September 14, 2026
USDA— WHP + National Risk Index
Retrieved September 14, 2026
USGS— Design Maps (ASCE 7-16) + NRI
Retrieved September 14, 2026
NOAA— National Risk Index (HWAV)
Retrieved September 14, 2026
FEMA— National Risk Index (TRND)
Retrieved September 14, 2026
What buyers should know
Buying in 01301: a risk primer
Before you write an offer on a home in Greenfield, understand how climate and insurance costs affect long-term ownership in 01301.
01301 in Greenfield, Massachusetts, scores below the national median (safer than most) on our composite climate-risk index. That ranking reflects the combined influence of flood risk (74), extreme heat exposure (51), and hurricane wind exposure (40) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.
The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.
Flood risk in 01301
The flood risk score for 01301 is 74 (high), which is above the national median. 01301 maps to a FEMA Special Flood Hazard Area or near-SFHA zone in Greenfield. With FEMA's Risk Rating 2.0 now pricing policies by parcel-level risk rather than just zone, buyers here should expect flood premiums to rise over the life of ownership. A LOMA (Letter of Map Amendment) may help if the finished floor is clearly above the BFE, but the process takes 60–90 days.
For a specific address inside 01301, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Heat risk in 01301
The extreme heat exposure score for 01301 is 51 (moderate), which is around or slightly above the national median. 01301 sees moderate extreme-heat exposure. Cooling degree days are elevated enough that annual utility costs will be meaningfully higher than in cooler parts of Massachusetts.
For a specific address inside 01301, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Hurricane risk in 01301
The hurricane wind exposure score for 01301 is 40 (low), which is around or slightly above the national median. 01301 has measurable hurricane or tropical-storm wind exposure. While not in the highest coastal tier, falling trees and power outages are realistic scenarios. Check whether the HOA or municipality has debris-removal obligations after a storm.
For a specific address inside 01301, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Insurance is where climate risk becomes a monthly payment. In 01301, our directional estimate for a standard homeowners policy plus required hazard coverage is $1,914 – $3,536 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.
Relative to local incomes, that premium range equals approximately 2.7% of the Franklin County median household income — a elevated premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.
Buyer action items
- Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes flood risk, extreme heat exposure, and hurricane wind exposure. Do this before the inspection contingency expires.
- Add a climate contingency to the purchase agreement. Our free Massachusetts-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
- Order hazard-specific inspections if the top risks warrant it. In 01301, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.
Frequently asked questions about 01301
Ready to underwrite 01301?
Get the full address-level report
Both tiers use verified federal data. The $19 snapshot is your pre-offer feasibility check (delivered within 5 minutes). The $99 audit adds parcel flood verification, market context, claim history, and a negotiation brief (within 24 hours).
Full Report
Tier L2
Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.
- Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
- 30-year federal climate projections for heat, wildfire, and sea level rise
- Insurance premium estimate range based on state DOI filings
- Clear buy / negotiate / walk-away recommendation with plain-language reasoning
- Comparable lower-risk communities within 25 miles (up to 3 when available)
- Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
- Single PDF you can share with your partner, agent, or inspector
Best for: pre-offer sanity check
Delivered: PDF by email within 5 minutes
Federal data: FEMA, USGS, NOAA, USDA, EPA
Delivered by email within 5 minutes of payment.
Pre-Purchase Audit
Tier L3
Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
- State insurance market analysis: admitted carrier share, exit rate, residual market growth
- Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
- 10-year NOAA Storm Events claim history for the ZIP code
- Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
- Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
- Identifies whether the property may become hard to insure before you close
- Gives you specific talking points for price, credits, and contingency negotiation
Best for: under-contract buyers
Delivered: PDF by email within 24 hours
Includes: 7-day no-questions-asked refund
Delivered by email within 24 hours of payment.
Nearby ZIP risk profiles in Franklin
Compare climate and insurance risk across neighboring ZIP codes before you commit to a specific address in Greenfield.
Explore 01301 in context
Indexable hub links for buyers comparing 01301 with the wider Greenfield market and Massachusetts insurance trends.
Massachusetts climate risk overview
State-wide hazard patterns and insurance context for buyers near Greenfield, MA.
Massachusetts buyer guides
State-wide insurance market pressure and regional hazard patterns.
High-risk area buyer checklist
Questions to ask before writing an offer in 01301.
Free contract templates for Massachusetts buyers
Download free climate-risk contingency addendums written for Massachusetts purchase agreements. Add flood, extreme-heat, or hurricane contingencies to your offer.
Browse free templates