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Looking for a flood insurance agent in Amherst? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Amherst, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 7 flood insurance agents in Amherst, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Encharter Insurance
25 N University Dr, Amherst, MA 01002
(855) 899-0305
encharter.com
Bresnahan Insurance Agency Inc
231 Triangle St, Amherst, MA 01002
(413) 549-1100
bresnahaninsurance.com
Five College Home Insurance Solutions
101 University Dr, Amherst, MA 01002
(413) 402-6658
home-insurance-amherst.com
Facilities Insurance Co
201 Natural Resources Rd, Amherst, MA 01003
(413) 992-5652
Amherst Insurance
20 Gatehouse Rd, Amherst, MA 01004
(413) 253-5555
amherstins.com
Amherst Life Insurance Inc.
183 University Dr, Amherst, MA 01002
(413) 307-0921
Five College Home Insurance Solutions
64 Spring St #12, Amherst, MA 01002
(413) 402-6658
home-insurance-amherst.com
Flood insurance agents in Amherst Massachusetts help property owners navigate the National Flood Insurance Program and private flood insurance options. Many homes and businesses in Amherst are located in Special Flood Hazard Areas designated by FEMA. Massachusetts state law requires flood insurance for properties with federally backed mortgages in high-risk zones.
What Does a Flood Insurance Agent in Amherst Cost?
Typical flood insurance costs in Massachusetts range from 700 to 2,500 per year for an NFIP policy depending on flood zone elevation and building characteristics. Private flood insurance may cost more or less based on risk assessment. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Amherst Massachusetts?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage you are required to carry flood insurance. Even outside high-risk zones flood insurance is recommended as Amherst experiences heavy rainfall and snowmelt flooding.
How do I find a flood insurance agent in Amherst?
You can search the NFIP agent locator or contact local independent insurance agencies in Amherst. Agents must be licensed by the Massachusetts Division of Insurance to sell flood policies.
What does a flood insurance policy in Massachusetts cover?
A standard NFIP policy covers building property and personal property up to policy limits. It does not cover basement contents or damage from sewer backups unless caused by flooding. Massachusetts requires a 30-day waiting period before coverage starts.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.