Boston Flood Insurance

Find the right flood insurance policy for you.


Boston is a harbor city that faces unpredictable weather patterns on the Atlantic Ocean. Flooding is a hazard that many Bostonians could potentially encounter, so be sure to evaluate your potential need for a flood policy. It only takes an inch of water to cause major damage to your home. With seemingly minor water damage, you may have to replace carpets, furnishings, appliances, walls, and flooring. Find a Boston, MA flood insurance policy by contacting an independent insurance agent in our network. Contact one of these independent agents today to get Boston flood insurance quotes and find the right coverage for your home, belongings or business.


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Boston Flood Statistics

  • A MA flood was the largest FEMA disaster in New England
  • Over $100 million in federal disaster aid was provided to 7 affected communities
  • More than 37,000 people, households and businesses applied for federal assistance

What Is Flood Insurance?

Flood insurance is a separate form of insurance not covered under a standard homeowners policy. This coverage is available through either the NFIP (National Flood Insurance Program) or an insurance company that has been designated to offer this specialized form of insurance. Flood insurance will typically cover the structure of your home and can be extended to cover your personal belongings as well. 

This is an important thing to be aware of, as many people opt to purchase coverage only for the structure of their houses. The costs involved in replacing all of your belongings can be astronomical, and without coverage, those costs must come out of your own pocket. Flood insurance policies can provide coverage for resulting flooding from the following natural events:

  • Hurricanes
  • Heavy rain
  • Unusual weather phenomenon such as a rapid snow melt or heavy rain run-off
  • Currents or uncommon water cycles that cause erosion

Many people hope that in the event of a flood, they will be able to apply for and receive federal disaster assistance. It is important to know that not everyone qualifies for these packages. Additionally, federal aid comes in the form of a loan that must be repaid.

How the NFIP Helps You with Flood Insurance

The NFIP is administered by the Federal Emergency Management Agency (FEMA). The program also incorporates over 90 insurance companies that offer Boston flood insurance. The cost of a flood insurance policy is determined by FEMA. The cost of the premium you pay might be different from other homeowners based on you location (whether you're on a flood plain or not) and the type of soil or land on which your house is situated.


Save on Flood Insurance

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

Do I Need Boston Flood Insurance?

Flood insurance is required if you reside in a designated flood risk location. The first step is to determine if this applies to the area in which you live by checking FEMA flood maps or asking your independent agent for assistance. Flood plain maps show every locale in Massachusetts and list flood plain areas for 10-year, 30-year, 50-year, and 100-year periods based on the land and slope elevation, as well as your proximity to sources of water.

Flood Insurance Coverage Amounts

The NFIP has set a maximum coverage limit of $250,000 for the repairs or replacement of your home. There is a 30-day waiting period after you pay the first premium before a flood insurance policy takes effect. Be sure to get a policy in place, rather than waiting until the next flood warning, to ensure your policy is in force beforehand.

Does Flood Insurance Have Limitations?

Flood insurance will not cover every situation where your home is damaged by water.  Most policies have the following exclusions:

  • Flood damage from burst pipes
  • Flood from pipe leakage
  • Flooding from sewage backup

Be sure to go over the exclusions in your flood policy with a knowledgeable agent.

How to Find Affordable Flood Insurance?

The cost of a Boston flood insurance policy can vary from insurer to insurer, but you can compare policies by contacting an independent member agent in our network. Independent agents work with numerous insurance companies and can help you compare Boston flood insurance quotes. 

Contact an agent today and find a policy to protect your home from flood damage.

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