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 Rhode Island before hiring.
Showing 7 flood insurance agents in Lincoln, RI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Mapogo Insurance Group
872 Smithfield Ave, Lincoln, RI 02865
(508) 206-8766
mapogoinsurancegroup.com
The Lawrence Agency
872 Smithfield Ave, Lincoln, RI 02865
(401) 726-3210
lawrenceagencyinc.com
Amica Mutual Insurance Company
10 Amica Center Blvd, Lincoln, RI 02865
(800) 622-6422
amica.com
Amica Mutual Insurance Company
100 Amica Way, Lincoln, RI 02865
(800) 242-6422
amica.com
Blais Insurance
1 Walker St, Lincoln, RI 02865
(401) 725-0070
blaisinsurance.com
Farmers Insurance - Matthew Gilson
132 Old River Rd STE 203, Lincoln, RI 02865
(401) 270-2247
agents.farmers.com
Laura Gustafson, CFP , CLU , ChFC
12 Linfield Dr, Lincoln, RI 02865
(401) 816-5799
lauragus.com
What Does a Flood Insurance Agent in Lincoln Cost?
The cost of flood insurance in Lincoln, Rhode Island varies by property elevation, flood zone, and coverage amount. For an NFIP policy, annual premiums typically range from 700 to 2,500 dollars for a standard single-family home in moderate-risk zones. Properties in high-risk zones or with low elevation may cost 3,000 dollars or more. Private market policies may offer lower rates or higher limits. 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 Lincoln Rhode Island?
Flood insurance is not required by Rhode Island state law for all properties. However, if your property is in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, your lender will likely require flood insurance. Agents can help you check your flood zone status.
What does a flood insurance policy in Rhode Island typically cover?
A standard NFIP policy covers building property and contents up to policy limits. Building coverage includes the structure, electrical systems, plumbing, and foundation. Contents coverage includes personal belongings like furniture and electronics. Flood damage from rising water is covered, but not damage from sewer backups unless caused by flooding.
How can I find a flood insurance agent in Lincoln RI?
You can search the NFIP agent locator on the FEMA website or contact local independent insurance agencies in Lincoln. Many agencies offer quotes from both NFIP and private insurers. Ask about waiting periods, which are typically 30 days for NFIP policies.