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Compare flood insurance agents in Sturbridge. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Sturbridge, 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 Sturbridge, 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.
Dennis A. McCurdy Insurance Agency, Inc
212 Main St, Sturbridge, MA 01566
(508) 347-9343
mccurdyinsurance.com
Hometown Insurance Center
590 Main St, Sturbridge, MA 01518
(508) 347-9394
htownins.com
RE/MAX Professional Associates
49 Main St, Sturbridge, MA 01566
(508) 347-9595
McGrath Insurance Agency
198 Charlton Rd, Sturbridge, MA 01566
(508) 347-6850
mcgrathinsurance.com
Starkweather & Shepley Insurance Brokerage Inc.
198 Charlton Rd, Sturbridge, MA 01566
(508) 347-2616
starshep.com
Lorraine Herbert, RE/MAX Prof Associates
49 Main St, Sturbridge, MA 01566
(508) 864-4232
homesnap.com
Eastern Insurance Group LLC
54 Main St, Sturbridge, MA 01566
(508) 347-1234
easterninsurance.com
Flood insurance agents in Sturbridge Massachusetts help property owners understand their flood risk and secure coverage through the National Flood Insurance Program. Sturbridge is located in Worcester County and has areas designated as Special Flood Hazard Areas by FEMA. Massachusetts law requires lenders to mandate flood insurance for properties in high-risk zones with a federally backed mortgage.
What Does a Flood Insurance Agent in Sturbridge Cost?
Flood insurance premiums in Massachusetts vary based on flood zone, building elevation, and coverage amount. For a standard NFIP policy, annual premiums range from about $700 for low-risk zones to over $2,000 for high-risk coastal or riverine areas. Elevation certificates and grandfathered rates can affect costs. 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 Sturbridge 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, flood damage is not covered by standard homeowners policies.
What does a flood insurance agent in Sturbridge do?
A flood insurance agent evaluates your property's flood zone, explains NFIP coverage limits, and helps you choose a policy that meets lender requirements and your needs. They also assist with filing claims after a flood event.
How long does it take to get flood insurance in Sturbridge?
NFIP policies typically have a 30-day waiting period before coverage begins. However, if you are purchasing a home with a mortgage, coverage can start at closing. An agent can expedite the process when needed.
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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.