Floods are relatively common in Massachusetts, with every county but one at a high risk level. Unfortunately, some types of flooding are becoming more common. High-tide flooding, also called sunny-day flooding, happens when tidal waters encroach onto low-lying coastal areas, and — according to a recent report from the National Oceanic and Atmospheric Administration (NOAA) — it’s getting more frequent as our climate changes. Boston had seven high-tide flood days in 2021, but it’s projected to have 11 to 18 high-tide flood days in 2022. By 2050, that number rises to 50 to 70 high-tide flood days, which means that for nearly 20% of the year, some streets in Boston could be underwater. As flooding becomes more common, the need for flood insurance will likely rise.