Flood Zones: Lowell vs Somerville
How do flood zones rules compare between Lowell, MA and Somerville, MA?
Lowell and Somerville have similar restriction levels.
Lowell, MA
Middlesex County
Lowell lies along the Merrimack and Concord Rivers with extensive FEMA Special Flood Hazard Areas, and all construction in those zones must meet the Massachusetts Floodplain Overlay and NFIP standards.
View full Lowell rules →Somerville, MA
Middlesex County
Parts of Somerville near the Mystic River and Alewife Brook are FEMA Zone AE. New construction in the floodplain must elevate 2 feet above BFE.
View full Somerville rules →Key Facts Comparison
| Fact | Lowell | Somerville |
|---|---|---|
| Primary river | Merrimack River | - |
| Freeboard | 1 foot above BFE | 2 feet above BFE |
| Historic floods | 1936, 1987, 2006, 2007 | - |
| Insurance | Required in SFHA | Required in SFHA with mortgage |
| Zones present | - | AE and X-shaded |
| Substantial improvement | - | 50 percent rule |
| Key areas | - | Mystic River, Alewife Brook, Assembly |
Highlighted rows indicate differences between cities.
Lowell FAQ
How do I check if my Lowell property is in a flood zone?
Use the FEMA Flood Map Service Center at msc.fema.gov and enter your address; also confirm with Lowell Development Services.
Can I build an addition in a Lowell flood zone?
Yes if it meets the Floodplain Overlay standards including elevation above BFE plus 1 foot of freeboard and flood-resistant materials.
Somerville FAQ
How do I find out if my Somerville property is in a flood zone?
Enter your address at the FEMA Map Service Center (msc.fema.gov) to pull the FIRM panel and Base Flood Elevation, or call Somerville Planning for a letter.
Can I finish my basement in a flood zone?
Enclosed space below BFE must be used only for parking, access, or storage and needs flood vents. Habitable finishes below BFE are prohibited for substantial improvements.
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