Flooding can devastate Massachusetts homeowners, whether you live along the coastline, near a river, or even inland during heavy rainstorms. Standard homeowners policies don’t cover flood damage—leaving you financially exposed. Massachusetts Personal Flood Insurance from Segreve & Hall provides vital protection, ensuring you have the resources to repair and rebuild if disaster strikes.
Massachusetts Personal Flood Insurance That Shields Your Home from Rising Waters
Trusted by Businesses for 30+ years 
Why Massachusetts Homeowners Need Flood Insurance
Protection that fills gaps left by standard homeowners policies
Flooding can happen anywhere in Massachusetts, not just in high-risk zones. Our Massachusetts Personal Flood Insurance helps protect:
- Structural damage to your home
- Electrical and plumbing systems
- Appliances and built-in features
- Personal belongings and furniture
- Cleanup and debris removal costs
Even a few inches of water can cause tens of thousands of dollars in damage. Don’t leave your home vulnerable.
Understand Flood Zones and Requirements in Massachusetts
Know your risk and comply with federal and lender mandates
Certain areas of Massachusetts fall into FEMA-designated flood zones. If your home is in a high-risk zone, flood insurance may be required by your mortgage lender. Segreve & Hall helps you:
- Determine your flood zone status
- Understand FEMA flood maps and changes
- Comply with lender requirements
- Calculate your insurance needs
Being proactive helps avoid costly gaps in protection.
Affordable Flood Insurance Options for Massachusetts Residents
Coverage available through private insurers or the National Flood Insurance Program (NFIP)
Massachusetts homeowners have two main options for flood coverage:
- NFIP Policies: Standardized rates backed by FEMA.
- Private Flood Insurance: Often offers higher limits and additional coverage options.
Segreve & Hall compares both options to find the right balance of cost and protection for your property.
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From Our Clients
I had a fantastic experience working with the Segreve & Hall team. As I was preparing for an interstate move, Paulo Botelho and the rest of the team were all incredibly helpful in quoting and starting new auto and renters policies. They went above and beyond to make this step of the moving process smooth and seamless. I'm very happy with the policies/prices we landed on, and I cannot recommend the team highly enough!
I worked with Paulo Botelho of Segreve & Hall on obtaining insurance for a new seasonal residence in Maine. Paul was very knowledgeable, efficient, very easy to work with and I was able to quickly obtain excellent coverage at a premium much lower than I expected. I highly recommend Paulo and his firm.
I worked with Hunter and Adam on getting health insurance last minute. I was unaware I’d lose coverage when I turned 26 and was desperate for help. They made the process simple for me and I had no gap in coverage. I look forward to working with them in the future for my other insurance needs.
Great communication from them. Always answer all my questions promptly and are great to work with.
I had an exceptional experience working with Hunter and his amazing team, Adam and Michael. From the very first consultation, Hunter took the time to thoroughly understand my needs and explained all my options with clarity and patience. His professionalism, expertise, and genuine care made the entire process smooth and stress-free.Thanks to Hunter and his team, I now have a comprehensive life insurance plan that gives me peace of mind for the future. I highly recommend them to anyone seeking trustworthy, knowledgeable, and caring insurance professionals. Five stars.
Paulo is so very helpful with everything we have needed so far. He even had to re-route our policy from an old address and did that without a problem. Very smooth transition from our former agency. Thank you Paulo!
I was looking for both flood and homeowner's insurance for my first home with my fiance, and a client connected me with Michael Segreve. I worked with Michael Brandolini to get both homeowner's insurance and and flood insurance, as well as a new auto policy. Michael was extremely helpful and prompt, and a great communicator. I strongly recommend Segreve and Hall, specifically Michael Brandolini for insurance needs!
Great staff , Communication on point, Very helpfulHighly recommend this agents.
They have helped me and I'm satisfied beyond measure they are really good for me
I recently turned 26 and needed to find my own health insurance for the first time. I worked with Hunter, who made the entire process incredibly smooth and stress-free. He took the time to explain my options clearly and helped me enroll in a Tufts plan that fits my needs perfectly. What I expected to be a confusing and overwhelming experience turned out to be simple and straightforward, thanks to Hunter and the Segrave & Hall Team. I’m so grateful for their support and highly recommend their services!
Tom has been a pleasure to work with and secured me a good rate on home insurance. Great experience.
Our agent Geoffrey paid attention to our needs and got us what we wanted and looked at diferante option to get us the best rate possible
Recently switched over my auto insurance. My agent, Fionbarra Collins, saved me a lot of money from what I was previously paying. Highly recommend giving them a shot!
These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !
I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.
They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall
Thomas and Sean are awesome they have been instrumental in the success of my business!
Brian was great with talking me through my first homeowners policy. He found us a great rate and executed a seamless closing with our mortgage broker. Will be looking into more policies with Segreve & Hall in the future.
I recently switched over all my insurance with Segreve, both personal and corporate. They have been nothing but amazing! Whenever I need something I get a response within minutes and requested documents within 30 minutes or at the latest same day. I have worked with other agencies in the past and they are hands down the best! The whole team and family are very friendly, hard working, great attention to detail and professional. I would highly recommend to anyone!
Frequently asked questions
Is flood insurance required in Massachusetts?
It depends on your property’s location and mortgage lender. Homes in high-risk flood zones are often required to carry flood insurance as a condition of the mortgage. Even if not required, it’s strongly recommended for financial protection.
Does homeowners insurance cover flood damage in Massachusetts?
No. Standard homeowners insurance policies exclude flood damage. A separate flood policy is needed to cover losses caused by rising water, storm surges, and flash floods.
How much does Massachusetts Personal Flood Insurance cost?
Costs vary based on flood zone, property elevation, and coverage amount. NFIP premiums can start around several hundred dollars annually, while private options may vary widely. Segreve & Hall helps identify the most affordable, effective solution for your needs.
