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Directory of flood insurance agents in Upton, Massachusetts. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Upton, 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 2 flood insurance agents in Upton, 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.
Rutfield Insurance Agency
33 Main St, Upton, MA 01568
(508) 839-1500
rutfieldinsurance.com
Duane Alger Insurance
33 Main St, Upton, MA 01568
(508) 529-7747
rutfieldinsurance.com
Flood insurance agents in Upton, Massachusetts help property owners secure coverage through the National Flood Insurance Program (NFIP) and private markets. Upton is in Worcester County and some areas may be in designated flood zones requiring flood insurance for mortgage compliance. Massachusetts law does not mandate flood insurance for all properties, but lenders often require it for homes in high-risk areas.
What Does a Flood Insurance Agent in Upton Cost?
The cost of flood insurance in Massachusetts varies by property location, flood zone, coverage amount, and deductible. For an NFIP policy, annual premiums typically range from about $700 to $2,500 for a standard home in a moderate-risk zone, but can be higher in high-risk areas. Private flood insurance may offer different pricing and coverage options. 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 Upton Massachusetts?
Flood insurance is not required by Massachusetts state law for all properties. However, if your home is in a FEMA-designated Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, your lender will likely require it. An agent can check your property's flood zone.
What does a flood insurance agent in Upton do?
A flood insurance agent helps you assess your flood risk, compare NFIP and private flood insurance options, and complete the application. They can also advise on coverage limits and deductibles that meet your needs and lender requirements.
How long does it take to get flood insurance in Massachusetts?
NFIP policies typically have a 30-day waiting period before coverage begins, unless the policy is purchased in connection with a new mortgage. Private insurers may offer shorter waiting periods. An agent can explain the timing for your situation.
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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.