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Natural hazards · Lynnfield

Lynnfield, MA natural hazards

Most of the natural-hazard damage FEMA expects in Lynnfield comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 28 claims here since 1979. 10 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Lynnfield?

15
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lynnfield to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding67%Hurricanes12%Earthquakes9%Tornadoes5%Everything else7%
By hazard

What Lynnfield faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

67% of expected damage
Below average · higher than 26% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

12% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once every 5 years in the area

Earthquakes

9% of expected damage
Above average · higher than 63% of U.S. places

Tornadoes

5% of expected damage
Below average · higher than 39% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Lynnfield flood?

Every paid claim on a federal flood insurance policy in Lynnfield, from FEMA’s records.

28paid claims since 1979
$246Kpaid to owners
3homes flooded more than once
19792026

Biggest named events

  • Not a named storm: 5 claims, $19K
  • March 2010 Nor'easter: 4 claims, $54K
  • December Storm - Nor'easter: 1 claim, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lynnfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Essex County.
Disasters that hit Lynnfield

10 federal disasters brought FEMA money here

Disasters the President declared that paid out in Lynnfield itself: aid to households, or repair grants to the Town of Lynnfield.

Brought FEMA money into LynnfieldDeclared for Essex County only
2015

Severe Winter Storm, Snowstorm, and Flooding

$153K to the Town of Lynnfield for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$105K to the Town of Lynnfield for repairs
2011

Hurricane Irene

$20K to the Town of Lynnfield for repairs
2011

Severe Winter Storm and Snowstorm

$79K to the Town of Lynnfield for repairs
2010

Severe Storms and Flooding

205 households applied for aid $322K aid approved $43K to the Town of Lynnfield for repairs
2006

Severe Storms and Flooding

227 households applied for aid $430K aid approved $59K to the Town of Lynnfield for repairs
2005

Record And/Or Near Record Snow

$64K to the Town of Lynnfield for repairs
2004

Flooding

22 households applied for aid $31K aid approved
2003

Snow

$109K to the Town of Lynnfield for repairs
2001

Snow

$58K to the Town of Lynnfield for repairs
Essex County has had 34 natural disasters declared since 1953, most often severe storms and floods.
Around Lynnfield

Lynnfield and the towns around it

Wakefield: Very low, mostly inland floodingNorth Reading: Low, mostly inland floodingLynn: Moderate, mostly inland floodingPeabody: Low, mostly inland floodingReading: Very low, mostly inland floodingSaugus: High, mostly inland floodingMiddleton: Low, mostly inland floodingStoneham: Very low, mostly inland floodingMelrose: High, mostly inland floodingWilmington: Low, mostly inland floodingAndover: Low, mostly inland floodingNorth Andover: Low, mostly inland floodingNahant: Low, mostly inland floodingSwampscott: Very low, mostly inland floodingRevere: Low, mostly inland floodingDanvers: Very low, mostly inland floodingSalem: Low, mostly inland floodingWoburn: Very low, mostly inland floodingTopsfield: Very low, mostly inland floodingBoxford: Very low, mostly inland floodingLynnfield: Very low, mostly inland flooding LynnfieldWakefieldNorth ReadingLynnPeabodyReadingSaugusMiddleton
Very lowLowModerateHighVery high
Saugusmostly inland floodingHigh
Lynnmostly inland floodingModerate
North Readingmostly inland floodingLow
Middletonmostly inland floodingLow
Peabodymostly inland floodingLow
Wakefieldmostly inland floodingVery low
Lynnfieldmostly inland floodingVery low
Readingmostly inland floodingVery low
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Lynnfield covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Lynnfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lynnfield. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Lynnfield total about $3.0M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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