ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare flood insurance agents in Spencer. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Spencer, 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 4 flood insurance agents in Spencer, 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.
David F. Kelley Insurance Agency, Inc.
154 Main St, Spencer, MA 01562
(508) 885-3794
davidkelleyins.com
HUB International
369 Main St #9, Spencer, MA 01562
(508) 885-9999
hubinternational.com
McGrath Insurance, a Division of Starkweather and Shepley Insurance
130 W Main St, Spencer, MA 01562
(508) 885-6545
starshep.com
Gregson Insurance Agency Inc
369 Main St, Spencer, MA 01562
(508) 248-3800
Flood insurance agents in Spencer Massachusetts help homeowners and businesses secure coverage through the National Flood Insurance Program or private insurers. Spencer is located in Worcester County and has several flood-prone areas near the Quaboag River. Massachusetts law requires lenders to mandate flood insurance for properties in high-risk flood zones, making an agent essential for compliance.
What Does a Flood Insurance Agent in Spencer Cost?
Flood insurance costs in Massachusetts average between 700 and 1,200 dollars per year for a standard NFIP policy, but rates vary based on flood zone, elevation, and building characteristics. Spencer properties in high-risk zones may see premiums above 2,000 dollars annually. Private flood insurance can sometimes offer lower rates for low-risk homes. This is general information and 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 Spencer Massachusetts?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, an agent can advise on optional coverage because 20 percent of flood claims come from moderate-risk areas.
What does a flood insurance agent do in Spencer?
A flood insurance agent evaluates your property's flood risk based on FEMA flood maps and local elevation data. They help you choose a policy that meets Massachusetts building code requirements and explain coverage limits for structures and contents.
Free • No Obligation
Compare Flood Insurance Agents
Get matched with agents in Spencer who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
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.