Massachusetts Flood Insurance

Reasons to Buy Massachusetts Flood Insurance

Find the right flood insurance policy for you.


Massachusetts is also popularly known as the “Bay State” as it faces the Atlantic Ocean. There are many popular coastal destinations to see such as Martha’s Vineyard and Nantucket Island. A large stretch of this state sits on the ocean from the Nantucket Sound to the Gulf of Maine. Flooding is a common hazard in many coastal communities, so having a Massachusetts flood insurance policy can be an important step to protect your home.

A flood can happen anytime and anywhere, so it's a good idea to be prepared.  You can protect your home now with a flood insurance policy by contacting an independent insurance agent in our network. Contact an agent today to find affordable Massachusetts flood insurance quotes and protect your home from the devastating effects of a flood.


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Massachusetts Flood Insurance Facts

  • Your home has a 26% likelihood of being damaged by a flood during the course of a 30-year mortgage
  • More than 16 billion dollars has been awarded by the NFIP for flood insurance claims
  • More than 5 million people have flood insurance in the U.S.

Flood Insurance Explained

Flood insurance is a specialized form of insurance coverage. Damage caused by floods is generally not covered under a standard homeowners policy. Most homeowners and renters policies specifically list flooding under coverage exclusions, in fact. A flood insurance will normally provide coverage for the following natural events:

  • Weather episodes like hurricanes, heavy rain, or a tidal surge
  • Natural weather phenomena such as a rapid snowmelt and rain run-off
  • Erosion resulting from water currents or unusual water cycles
  • A mudflow and mudslide - these events are defined differently by different insurance companies
  • A flood insurance policy will provide insurance protection for your either your home or your business

You can purchase flood insurance for the structure of your home only, or for the structure of your home and the contents within.  Talk to your agent about rates and what might be the best option for your situation.

Where to Find Flood Insurance

You can buy flood insurance through a local independent agent in our network. The National Flood Insurance program, which creates the policies and coverage options, started in 1968 and is administered by FEMA (Federal Emergency Management Agency). Premiums for a Massachusetts flood insurance policy are determined by FEMA and may be dependent on the following factors:

  • House construction material
  • Whether the home is located in a flood plain
  • The type of soil on which the home resides

Save on Flood Insurance

Our independent agents shop around to find you the best coverage.

Other Important Facts about Flood Insurance

Flood insurance is mandatory if your home is situated in a flood risk area. To determine if this applies to your situation, FEMA provides flood maps which will stipulate if flood insurance is required. Flood plain maps reveal all the locations in Massachusetts that are at risk for flooding, taking into account the elevation, slope of the land and proximity to water sources. Flood plain areas are shown as 10- year, 30-year, 50-year, and 100-year flood plains.

Flood Coverage Amounts

The NFIP allows up to $250,000 for repair or replacement of your residence to return it to a condition that existed prior to the flood. You can buy a policy with coverage that exceeds $250,000 through a private insurer, but the premium will be more expensive. A 30-day waiting period goes into effect after you pay your first premium. This means that it's best to purchase flood insurance before you absolutely need it.

Are There Flood Insurance Exclusions?

There are some situations that can cause water damage in your home and are not covered under a flood insurance policy. For example, flood insurance does not cover water damage claims caused by the following:

  • A burst pipe
  • Leakage from water pipes
  • Sewage backup

Where Can I Find Flood Insurance?

Find a Massachusetts flood insurance policy by contacting an independent agent in our network. An independent agent has access to many insurance companies and can provide you with comparable Massachusetts flood insurance quotes. 

Contact an agent today and find a policy you need.

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