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, filters, downloads as CSV with the same definitions, and carries a copy-ready citation.

Utilities and Constraints

Download CSV, same columns, same definitions

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	Current NFHL Map	Flood Map Status	High-Hazard Dams	Wetlands % of Town
Adams	yes	no	no	no	Older digitised FEMA map; check current boundaries	0	1.4
Agawam	yes	no	no	yes	Current digital map; flood zones present	1	8.2
Alford	no	yes	no	no	Older digitised FEMA map; check current boundaries	0	4.2
Amherst	yes	no	no	yes	Current digital map; flood zones present	1	10
Ashfield	no	yes	no	no	Older digitised FEMA map; check current boundaries	1	5.5
Becket	no	yes	no	yes	Older digitised FEMA map; check current boundaries	4	6.6
Belchertown	no	no	no	yes	Current digital map; flood zones present	0	8.9
Bernardston	no	no	no	yes	Usable flood map unavailable; risk unknown	0	3.1
Blandford	no	yes	no	yes	Current digital map; flood zones present	2	5.6
Brimfield	no	no	no	yes	Current digital map; flood zones present	0	8.2
Buckland	no	no	no	no	Usable flood map unavailable; risk unknown	0	1.2
Charlemont	no	yes	no	no	Older digitised FEMA map; check current boundaries	0	0.9
Cheshire	yes	no	no	no	Older digitised FEMA map; check current boundaries	0	3.8
Chester	no	no	yes	yes	Current digital map; flood zones present	0	3.2
Chesterfield	no	yes	no	no	Older digitised FEMA map; check current boundaries	0	5.7
Chicopee	yes	no	yes	yes	Current digital map; flood zones present	2	5.1
Clarksburg	yes	no	no	yes	Current digital map; flood zones present	0	4.2
Colrain	no	yes	no	yes	Usable flood map unavailable; risk unknown	0	1.2
Conway	no	no	no	no	Usable flood map unavailable; risk unknown	1	2.3
Cummington	no	yes	no	no	Older digitised FEMA map; check current boundaries	0	3
Dalton	yes	no	no	no	Older digitised FEMA map; check current boundaries	1	3.3
Deerfield	yes	no	no	no	Usable flood map unavailable; risk unknown	0	5.6
East Longmeadow	yes	no	no	yes	Current digital map; flood zones present	0	9.7
Easthampton	yes	no	no	yes	Older digitised FEMA map; check current boundaries	1	6.8
Egremont	no	no	no	no	Older digitised FEMA map; check current boundaries	0	7.9
Erving	no	no	no	no	Usable flood map unavailable; risk unknown	3	1.5
Florida	no	no	no	yes	Older digitised FEMA map; check current boundaries	0	1.5
Gill	no	no	no	no	Usable flood map unavailable; risk unknown	0	4.9
Goshen	no	yes	no	no	Older digitised FEMA map; check current boundaries	2	6.8
Granby	yes	no	no	yes	Older digitised FEMA map; check current boundaries	0	12.9
Granville	no	no	no	yes	Current digital map; flood zones present	1	3.7
Great Barrington	yes	no	no	no	Older digitised FEMA map; check current boundaries	0	7.9
Greenfield	yes	no	no	no	Usable flood map unavailable; risk unknown	0	6.8
Hadley	yes	no	no	yes	Current digital map; flood zones present	0	9
Hampden	yes	no	no	yes	Current digital map; flood zones present	0	8.4
Hancock	no	no	no	no	Older digitised FEMA map; check current boundaries	0	2
Hatfield	yes	no	no	no	Older digitised FEMA map; check current boundaries	0	12.7
Hawley	no	no	no	no	Older digitised FEMA map; check current boundaries	0	2.3
Heath	no	yes	no	yes	Usable flood map unavailable; risk unknown	0	2.1
Hinsdale	no	no	no	no	Older digitised FEMA map; check current boundaries	5	15.4
Holland	no	no	no	yes	Current digital map; flood zones present	1	7
Holyoke	yes	no	yes	yes	Current digital map; flood zones present	2	4.5
Huntington	no	no	no	yes	Older digitised FEMA map; check current boundaries	2	2.2
Lanesborough	yes	no	no	no	Older digitised FEMA map; check current boundaries	1	5.2
Lee	yes	no	no	no	Older digitised FEMA map; check current boundaries	2	7.3
Lenox	yes	no	no	no	Older digitised FEMA map; check current boundaries	2	11.6
Leverett	no	yes	no	no	Usable flood map unavailable; risk unknown	0	4.1
Leyden	no	yes	no	yes	Current digital map; flood zones present	0	2.1
Longmeadow	yes	no	no	yes	Current digital map; flood zones present	0	12.6
Ludlow	yes	no	no	yes	Current digital map; flood zones present	4	9.4
Middlefield	no	no	no	yes	Current digital map; flood zones present	0	3.5
Monroe	no	no	no	yes	Current digital map; flood zones present	1	1.4
Monson	yes	no	no	yes	Current digital map; flood zones present	1	5.6
Montague	yes	no	no	no	Usable flood map unavailable; risk unknown	1	2.4
Monterey	no	no	no	no	Older digitised FEMA map; check current boundaries	1	6.6
Montgomery	no	no	no	yes	Current digital map; flood zones present	1	3.5
Mount Washington	no	no	no	yes	Older digitised FEMA map; check current boundaries	0	2.2
New Ashford	no	yes	no	no	Older digitised FEMA map; check current boundaries	0	1.1
New Marlborough	no	no	no	yes	Current digital map; flood zones present	1	8.1
New Salem	no	yes	no	no	Older digitised FEMA map; check current boundaries	0	5.1
North Adams	yes	no	no	no	Older digitised FEMA map; check current boundaries	5	2.5
Northampton	yes	no	no	no	Older digitised FEMA map; check current boundaries	3	8
Northfield	no	no	no	yes	Usable flood map unavailable; risk unknown	1	3.5
Orange	no	no	no	no	Older digitised FEMA map; check current boundaries	0	6.3
Otis	no	yes	no	yes	Current digital map; flood zones present	1	12.3
Palmer	yes	no	no	yes	Current digital map; flood zones present	0	4.5
Pelham	no	no	no	yes	Current digital map; flood zones present	0	3.9
Peru	no	no	no	no	Older digitised FEMA map; check current boundaries	0	7
Pittsfield	yes	no	no	no	Older digitised FEMA map; check current boundaries	3	9.4
Plainfield	no	yes	no	no	Older digitised FEMA map; check current boundaries	0	3.8
Richmond	no	no	no	no	Older digitised FEMA map; check current boundaries	0	10.1
Rowe	no	yes	no	yes	Older digitised FEMA map; check current boundaries	2	1.8
Russell	no	no	yes	yes	Current digital map; flood zones present	1	1.4
Sandisfield	no	no	no	yes	Current digital map; flood zones present	7	7.1
Savoy	no	no	no	no	Older digitised FEMA map; check current boundaries	0	4.5
Sheffield	no	no	no	yes	Current digital map; flood zones present	0	16.8
Shelburne	no	no	no	no	Usable flood map unavailable; risk unknown	0	2.6
Shutesbury	no	yes	no	yes	Current digital map; flood zones present	2	4
South Hadley	yes	no	yes	yes	Current digital map; flood zones present	5	7.1
Southampton	no	no	no	yes	Current digital map; flood zones present	1	4.2
Southwick	yes	no	no	yes	Current digital map; flood zones present	0	7
Springfield	yes	no	no	yes	Current digital map; flood zones present	2	4.1
Stockbridge	yes	no	no	no	Older digitised FEMA map; check current boundaries	1	13.4
Sunderland	yes	no	no	no	Older digitised FEMA map; check current boundaries	0	2.9
Tolland	no	no	no	yes	Current digital map; flood zones present	0	6.7
Tyringham	no	no	no	no	Older digitised FEMA map; check current boundaries	1	6.6
Wales	no	no	no	yes	Current digital map; flood zones present	0	7
Ware	no	no	no	yes	Current digital map; flood zones present	2	5.5
Warwick	no	no	no	yes	Usable flood map unavailable; risk unknown	0	5.3
Washington	no	yes	no	no	Older digitised FEMA map; check current boundaries	7	8.3
Wendell	no	yes	no	no	Usable flood map unavailable; risk unknown	0	5
West Springfield	yes	no	no	yes	Current digital map; flood zones present	0	5.5
West Stockbridge	yes	no	no	no	Older digitised FEMA map; check current boundaries	1	7.6
Westfield	yes	no	yes	yes	Current digital map; flood zones present	3	4.1
Westhampton	no	no	no	no	Older digitised FEMA map; check current boundaries	1	2.7
Whately	yes	no	no	no	Older digitised FEMA map; check current boundaries	2	13.7
Wilbraham	yes	no	no	yes	Current digital map; flood zones present	0	10.5
Williamsburg	no	no	no	no	Older digitised FEMA map; check current boundaries	1	4.6
Williamstown	yes	no	no	yes	Older digitised FEMA map; check current boundaries	1	1.9
Windsor	no	yes	no	no	Older digitised FEMA map; check current boundaries	1	7.8
Worthington	no	no	no	yes	Current digital map; flood zones present	0	3.8

The line under each Wetlands % of Town is its margin from this table's middle of 5.2%: left of centre is below it, right of centre is above, and both sides are drawn to the same scale. The middle is this table's own and does not move when you sort. It is a distance, not a position in a league table, and nothing here is ranked.

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
Current NFHL Map: Current NFHL coverage only; false/null does not exclude older digital mapping. Read with Flood Map Status
Flood Map Status: Current, older digitised, or unavailable mapping. Older Q3 maps are not current regulatory boundaries; unknown mapping is not absent risk
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 September 19, 2026. https://www.re413.com/pros/insurance/, underlying sources at https://www.re413.com/sources/.

Housing Stock and Vacancy

Download CSV, same columns, same definitions

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	60.4	1939
Agawam	12,361	3.7	10.5	73.2	1965
Alford	337	32.6	90.9	90.3	1976
Amherst	10,748	9	6.6	44.1	1968
Ashfield	880	12.4	73.4	82.4	1972
Becket	1,687	47.2	92.6	91.2	1976
Belchertown	6,357	4	22	82.3	1988
Bernardston	967	4.8	28.3	82.2	1971
Blandford	576	11.3	50.8	92.2	1963
Brimfield	1,672	10.5	44.9	88	1983
Buckland	906	9.4	37.6	75.5	1945
Charlemont	644	16.8	63	75.4	1970
Cheshire	1,539	8.5	42	85.7	1970
Chester	622	14	55.2	83.7	1945
Chesterfield	618	13.3	80.5	89.9	1974
Chicopee	25,544	5.6	4.4	56.9	1956
Clarksburg	749	7.7	22.4	86.5	1952
Colrain	796	14.4	54.8	84.7	1966
Conway	825	9.2	38.2	89.9	1979
Cummington	477	16.6	62	80.2	1969
Dalton	2,928	7.1	39.7	73.8	1955
Deerfield	2,292	7.4	18.2	73.6	1971
East Longmeadow	6,371	3.7	13.1	85.5	1962
Easthampton	7,849	4.2	17.8	60	1970
Egremont	941	32.6	79.5	83.9	1973
Erving	703	3.8	25.9	78.4	1952
Florida	362	9.1	45.5	88.8	1969
Gill	700	12.9	50	76.9	1967
Goshen	593	27.3	93.2	87.2	1969
Granby	2,498	3.9	10.3	86.1	1966
Granville	656	7.6	42	91.1	1972
Great Barrington	3,686	17.9	57.9	62	1950
Greenfield	8,646	6.1	13	54.7	1940
Hadley	2,336	5.3	12.1	67.7	1971
Hampden	2,008	3.1	4.8	91	1966
Hancock	998	66.6	95.5	83.2	1970
Hatfield	1,634	4.7	17.1	71.5	1965
Hawley	188	24.5	76.1	88.7	1968
Heath	578	47.1	96.7	92.5	1975
Hinsdale	1,126	22.6	78	82.8	1968
Holland	1,405	22.1	82.6	89.1	1968
Holyoke	16,874	8.1	3.3	40.2	1950
Huntington	1,030	15.6	57.8	81.4	1969
Lanesborough	1,489	12.6	62.8	85.2	1958
Lee	3,398	23.7	74.7	65.5	1960
Lenox	3,184	23.7	71.9	65.3	1959
Leverett	827	6.9	36.8	84.4	1975
Leyden	340	7.9	63	92.3	1979
Longmeadow	5,967	3.6	16.7	89.1	1957
Ludlow	8,755	4	10	75.7	1964
Middlefield	215	19.1	61	94.8	1974
Monroe	80	30	87.5	80.4	1960
Monson	3,554	5.1	15.3	82.2	1974
Montague	4,112	5.4	13.2	59.5	1954
Monterey	883	43.5	89.6	82	1977
Montgomery	351	4	7.1	92.9	1974
Mount Washington	173	53.8	54.8	95	1972
New Ashford	126	12.7	62.5	79.1	1976
New Marlborough	997	31.9	83.6	86.2	1975
New Salem	460	7.2	36.4	88.3	1979
North Adams	6,871	14.3	11.9	51.6	1925
Northampton	13,668	6.4	14.4	55	1954
Northfield	1,407	12.9	54.4	79.5	1956
Orange	3,544	9.3	36	67.8	1950
Otis	1,609	52	91.6	88.6	1977
Palmer	5,854	6.9	6.4	65.7	1960
Pelham	574	5.2	13.3	82	1969
Peru	416	17.3	73.6	96.5	1979
Pittsfield	21,738	9.3	25.2	58.9	1950
Plainfield	335	14.9	62	88.4	1974
Richmond	885	28.2	88	89.6	1968
Rowe	245	24.9	70.5	88	1960
Russell	703	8	21.4	80.4	1970
Sandisfield	659	40.5	82.8	91.8	1980
Savoy	350	16	58.9	93.2	1979
Sheffield	1,766	16	65.4	76.3	1973
Shelburne	1,001	7.6	48.7	62.6	1952
Shutesbury	853	15.1	69.8	84	1975
South Hadley	7,439	4.9	17.7	73.8	1956
Southampton	2,551	4.1	28.6	87.2	1980
Southwick	4,115	7	26.6	80.5	1970
Springfield	62,782	6.4	3.2	47.2	1951
Stockbridge	1,633	41.2	82.3	69.2	1955
Sunderland	1,771	3.8	0	47.4	1983
Tolland	501	55.9	95	92.8	1979
Tyringham	289	39.4	79.8	89.7	1978
Wales	896	15.5	65.5	83.2	1970
Ware	4,755	9.1	18.4	65.8	1971
Warwick	405	15.8	65.6	90.6	1970
Washington	270	20.7	66.1	92.1	1978
Wendell	448	8.7	20.5	84.4	1980
West Springfield	12,885	5	10.2	57.2	1955
West Stockbridge	852	27.5	79.9	85	1975
Westfield	16,869	5.8	8.8	66.7	1964
Westhampton	747	11.4	78.8	92	1976
Whately	727	5.6	24.4	83.5	1976
Wilbraham	5,712	3.5	16.8	87.7	1964
Williamsburg	1,196	7.3	19.5	76.6	1953
Williamstown	3,009	16.3	52.3	69.1	1952
Windsor	473	22.8	84.3	94.2	1975
Worthington	625	12.2	63.2	88.3	1972

The line under each Vacant % is its margin from this table's middle of 11.3%: left of centre is below it, right of centre is above, and both sides are drawn to the same scale. The middle is this table's own and does not move when you sort. It is a distance, not a position in a league table, and nothing here is ranked.

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 September 19, 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 2026-09-19.

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