Insurance Agents & Underwriters

“What is the hazard picture?”

The hazard picture, town by town: which flood maps exist at all (unmapped is not low-risk, it is unrated), where the high-hazard dams sit, how old the stock runs. Address-level flood state and claims history live on each town's address-check page.

Every table sorts on click, downloads as CSV with the same definitions, and carries a copy-ready citation. This page prints clean, sponsor and navigation drop out.

Utilities and Constraints

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Service facts that decide what a parcel can do, gas main, town fibre, flood mapping status, high-hazard dams.

Utilities and Constraints. Service facts that decide what a parcel can do, gas main, town fibre, flood mapping status, high-hazard dams.
Town	Gas Main	Municipal Fibre	Municipal Light Plant	Flood Map Digitised	High-Hazard Dams	Wetlands % of Town
Adams	yes	no	no	no	0	1.4
Agawam	yes	no	no	yes	1	8.2
Alford	no	yes	no	no	0	4.2
Amherst	yes	no	no	yes	1	10
Ashfield	no	yes	no	no	1	5.5
Becket	no	yes	no	yes	4	6.6
Belchertown	no	no	no	yes	0	8.9
Bernardston	no	no	no	yes	0	3.1
Blandford	no	yes	no	yes	2	5.6
Brimfield	no	no	no	yes	0	8.2
Buckland	no	no	no	no	0	1.2
Charlemont	no	yes	no	no	0	0.9
Cheshire	yes	no	no	no	0	3.8
Chester	no	no	yes	yes	0	3.2
Chesterfield	no	yes	no	no	0	5.7
Chicopee	yes	no	yes	yes	2	5.1
Clarksburg	yes	no	no	yes	0	4.2
Colrain	no	yes	no	yes	0	1.2
Conway	no	no	no	no	1	2.3
Cummington	no	yes	no	no	0	3
Dalton	yes	no	no	no	1	3.3
Deerfield	yes	no	no	no	0	5.6
East Longmeadow	yes	no	no	yes	0	9.7
Easthampton	yes	no	no	yes	1	6.8
Egremont	no	no	no	no	0	7.9
Erving	no	no	no	no	3	1.5
Florida	no	no	no	yes	0	1.5
Gill	no	no	no	no	0	4.9
Goshen	no	yes	no	no	2	6.8
Granby	yes	no	no	yes	0	12.9
Granville	no	no	no	yes	1	3.7
Great Barrington	yes	no	no	no	0	7.9
Greenfield	yes	no	no	no	0	6.8
Hadley	yes	no	no	yes	0	9
Hampden	yes	no	no	yes	0	8.4
Hancock	no	no	no	no	0	2
Hatfield	yes	no	no	no	0	12.7
Hawley	no	no	no	no	0	2.3
Heath	no	yes	no	yes	0	2.1
Hinsdale	no	no	no	no	5	15.4
Holland	no	no	no	yes	1	7
Holyoke	yes	no	yes	yes	2	4.5
Huntington	no	no	no	yes	2	2.2
Lanesborough	yes	no	no	no	1	5.2
Lee	yes	no	no	no	2	7.3
Lenox	yes	no	no	no	2	11.6
Leverett	no	yes	no	no	0	4.1
Leyden	no	yes	no	yes	0	2.1
Longmeadow	yes	no	no	yes	0	12.6
Ludlow	yes	no	no	yes	4	9.4
Middlefield	no	no	no	yes	0	3.5
Monroe	no	no	no	yes	1	1.4
Monson	yes	no	no	yes	1	5.6
Montague	yes	no	no	no	1	2.4
Monterey	no	no	no	no	1	6.6
Montgomery	no	no	no	yes	1	3.5
Mount Washington	no	no	no	yes	0	2.2
New Ashford	no	yes	no	no	0	1.1
New Marlborough	no	no	no	yes	1	8.1
New Salem	no	yes	no	no	0	5.1
North Adams	yes	no	no	no	5	2.5
Northampton	yes	no	no	no	3	8
Northfield	no	no	no	yes	1	3.5
Orange	no	no	no	no	0	6.3
Otis	no	yes	no	yes	1	12.3
Palmer	yes	no	no	yes	0	4.5
Pelham	no	no	no	yes	0	3.9
Peru	no	no	no	no	0	7
Pittsfield	yes	no	no	no	3	9.4
Plainfield	no	yes	no	no	0	3.8
Richmond	no	no	no	no	0	10.1
Rowe	no	yes	no	yes	2	1.8
Russell	no	no	yes	yes	1	1.4
Sandisfield	no	no	no	yes	7	7.1
Savoy	no	no	no	no	0	4.5
Sheffield	no	no	no	yes	0	16.8
Shelburne	no	no	no	no	0	2.6
Shutesbury	no	yes	no	yes	2	4
South Hadley	yes	no	yes	yes	5	7.1
Southampton	no	no	no	yes	1	4.2
Southwick	yes	no	no	yes	0	7
Springfield	yes	no	no	yes	2	4.1
Stockbridge	yes	no	no	no	1	13.4
Sunderland	yes	no	no	no	0	2.9
Tolland	no	no	no	yes	0	6.7
Tyringham	no	no	no	no	1	6.6
Wales	no	no	no	yes	0	7
Ware	no	no	no	yes	2	5.5
Warwick	no	no	no	yes	0	5.3
Washington	no	yes	no	no	7	8.3
Wendell	no	yes	no	no	0	5
West Springfield	yes	no	no	yes	0	5.5
West Stockbridge	yes	no	no	no	1	7.6
Westfield	yes	no	yes	yes	3	4.1
Westhampton	no	no	no	no	1	2.7
Whately	yes	no	no	no	2	13.7
Wilbraham	yes	no	no	yes	0	10.5
Williamsburg	no	no	no	no	1	4.6
Williamstown	yes	no	no	yes	1	1.9
Windsor	no	yes	no	no	1	7.8
Worthington	no	no	no	yes	0	3.8

What These Columns Mean

Town: Municipality
Gas Main: Natural gas serves at least part of the town
Municipal Fibre: Town is in a municipal fibre programme (MBI/Whip City)
Municipal Light Plant: Town-owned electric utility
Flood Map Digitised: false/null = NO digital flood map, unmapped risk, never 'no flood zones'
High-Hazard Dams: Dams whose FAILURE would likely cause loss of life, consequence class, not condition
Wetlands % of Town: Wetland share of land area

Cite: RE413. “Utilities and Constraints.” Updated August 5, 2026. https://www.re413.com/pros/insurance/, underlying sources at https://www.re413.com/sources/.

Housing Stock and Vacancy

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2020 census counts. Vacancy ALWAYS travels with its seasonal share: a high rate with a high seasonal share is a second-home market, not abandonment.

Housing Stock and Vacancy. 2020 census counts. Vacancy ALWAYS travels with its seasonal share: a high rate with a high seasonal share is a second-home market, not abandonment.
Town	Housing Units 2020	Vacant %	Seasonal Share of Vacant %	Owner-Occupied %	Median Year Built
Adams	4,336	11.9	7.2	64.9	1,939
Agawam	12,361	3.7	10.5	68.2	1,965
Alford	337	32.6	90.9	57.6	1,976
Amherst	10,748	9	6.6	58.1	1,968
Ashfield	880	12.4	73.4	61.1	1,972
Becket	1,687	47.2	92.6	65.4	1,976
Belchertown	6,357	4	22	69.9	1,988
Bernardston	967	4.8	28.3	63.4	1,971
Blandford	576	11.3	50.8	69	1,963
Brimfield	1,672	10.5	44.9	70.2	1,983
Buckland	906	9.4	37.6	59	1,945
Charlemont	644	16.8	63	57.7	1,970
Cheshire	1,539	8.5	42	60.5	1,970
Chester	622	14	55.2	67	1,945
Chesterfield	618	13.3	80.5	62.9	1,974
Chicopee	25,544	5.6	4.4	66.3	1,956
Clarksburg	749	7.7	22.4	64	1,952
Colrain	796	14.4	54.8	58.4	1,966
Conway	825	9.2	38.2	61.8	1,979
Cummington	477	16.6	62	63.3	1,969
Dalton	2,928	7.1	39.7	70.1	1,955
Deerfield	2,292	7.4	18.2	60.8	1,971
East Longmeadow	6,371	3.7	13.1	69.7	1,962
Easthampton	7,849	4.2	17.8	67.4	1,970
Egremont	941	32.6	79.5	60.3	1,973
Erving	703	3.8	25.9	71.9	1,952
Florida	362	9.1	45.5	61	1,969
Gill	700	12.9	50	62.3	1,967
Goshen	593	27.3	93.2	61.2	1,969
Granby	2,498	3.9	10.3	67.9	1,966
Granville	656	7.6	42	67.9	1,972
Great Barrington	3,686	17.9	57.9	61.2	1,950
Greenfield	8,646	6.1	13	67.1	1,940
Hadley	2,336	5.3	12.1	59.1	1,971
Hampden	2,008	3.1	4.8	67.1	1,966
Hancock	998	66.6	95.5	65.7	1,970
Hatfield	1,634	4.7	17.1	60.6	1,965
Hawley	188	24.5	76.1	50.8	1,968
Heath	578	47.1	96.7	57.2	1,975
Hinsdale	1,126	22.6	78	61.7	1,968
Holland	1,405	22.1	82.6	75.3	1,968
Holyoke	16,874	8.1	3.3	70.9	1,950
Huntington	1,030	15.6	57.8	70.6	1,969
Lanesborough	1,489	12.6	62.8	69	1,958
Lee	3,398	23.7	74.7	65.1	1,960
Lenox	3,184	23.7	71.9	59.5	1,959
Leverett	827	6.9	36.8	58.3	1,975
Leyden	340	7.9	63	60.6	1,979
Longmeadow	5,967	3.6	16.7	67	1,957
Ludlow	8,755	4	10	64.1	1,964
Middlefield	215	19.1	61	53.9	1,974
Monroe	80	30	87.5	53.3	1,960
Monson	3,554	5.1	15.3	69.6	1,974
Montague	4,112	5.4	13.2	66.5	1,954
Monterey	883	43.5	89.6	57	1,977
Montgomery	351	4	7.1	63.9	1,974
Mount Washington	173	53.8	54.8	61.8	1,972
New Ashford	126	12.7	62.5	60.9	1,976
New Marlborough	997	31.9	83.6	61.2	1,975
New Salem	460	7.2	36.4	61.8	1,979
North Adams	6,871	14.3	11.9	62.4	1,925
Northampton	13,668	6.4	14.4	63.4	1,954
Northfield	1,407	12.9	54.4	67.1	1,956
Orange	3,544	9.3	36	66.9	1,950
Otis	1,609	52	91.6	63.1	1,977
Palmer	5,854	6.9	6.4	68.8	1,960
Pelham	574	5.2	13.3	55.2	1,969
Peru	416	17.3	73.6	66.6	1,979
Pittsfield	21,738	9.3	25.2	67.5	1,950
Plainfield	335	14.9	62	59.5	1,974
Richmond	885	28.2	88	59.4	1,968
Rowe	245	24.9	70.5	56.2	1,960
Russell	703	8	21.4	68.8	1,970
Sandisfield	659	40.5	82.8	63.9	1,980
Savoy	350	16	58.9	62	1,979
Sheffield	1,766	16	65.4	64.1	1,973
Shelburne	1,001	7.6	48.7	60.3	1,952
Shutesbury	853	15.1	69.8	66.3	1,975
South Hadley	7,439	4.9	17.7	66.4	1,956
Southampton	2,551	4.1	28.6	67.5	1,980
Southwick	4,115	7	26.6	67.1	1,970
Springfield	62,782	6.4	3.2	74.8	1,951
Stockbridge	1,633	41.2	82.3	54.8	1,955
Sunderland	1,771	3.8	0	60.3	1,983
Tolland	501	55.9	95	61.5	1,979
Tyringham	289	39.4	79.8	52.2	1,978
Wales	896	15.5	65.5	65.1	1,970
Ware	4,755	9.1	18.4	66.7	1,971
Warwick	405	15.8	65.6	55.3	1,970
Washington	270	20.7	66.1	62.9	1,978
Wendell	448	8.7	20.5	57.7	1,980
West Springfield	12,885	5	10.2	67.6	1,955
West Stockbridge	852	27.5	79.9	57.3	1,975
Westfield	16,869	5.8	8.8	68	1,964
Westhampton	747	11.4	78.8	65.2	1,976
Whately	727	5.6	24.4	60.2	1,976
Wilbraham	5,712	3.5	16.8	68.7	1,964
Williamsburg	1,196	7.3	19.5	63.4	1,953
Williamstown	3,009	16.3	52.3	57.6	1,952
Windsor	473	22.8	84.3	68	1,975
Worthington	625	12.2	63.2	57.9	1,972

What These Columns Mean

Town: Municipality
Housing Units 2020: All housing units, April 2020 count
Vacant %: Vacant share of all units, 2020 count, read WITH the seasonal share
Seasonal Share of Vacant %: Share of vacant units held for seasonal/recreational use, the figure that stops the vacancy rate lying
Owner-Occupied %: Owner share of occupied units, 2020 count
Median Year Built: Median build year of single-family parcels (surviving stock)

Cite: RE413. “Housing Stock and Vacancy.” Updated August 5, 2026. https://www.re413.com/pros/insurance/, underlying sources at https://www.re413.com/sources/.

Built for These Too

The same 101 towns, cut for a different job.

Inspectors & Environmental ConsultantsWhat should I look for here?Commercial Brokers & Site SelectorsWhere is the traffic and the workforce?Attorneys & TitleWhat encumbers this parcel's town?Relocation, Employers & HRWhere should our people live?

Sources

DLS, Census Bureau, HUD, MassGIS, FEMA, MassDOT and BLS, via the town bundles. Every column in the tables above; the glossary defines each and the full catalogue dates each dataset. Checked 2026-08-05.

"Figures through" is the period the publisher's data describes; "checked" is only when we last asked. The full sourcing: sources and method.