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Directory of flood insurance agents in Berwick, Maine. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Berwick, ME
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 Maine before hiring.
Showing 2 flood insurance agents in Berwick, ME
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Spence & Mathews Insurance
4 Sullivan St, Berwick, ME 03901
(800) 595-2565
spenceandmathews.com
Northeast Bank Insurance Group Inc: Campbell Donald
4 Sullivan St # 715, Berwick, ME 03901
(207) 698-1210
Flood insurance agents in Berwick Maine help property owners secure coverage through the National Flood Insurance Program or private insurers. Berwick is located along the Salmon Falls River and is in a Special Flood Hazard Area for many properties. Maine law requires lenders to mandate flood insurance for homes in high-risk zones with a federally backed mortgage.
What Does a Flood Insurance Agent in Berwick Cost?
Typical flood insurance costs in Maine range from about 500 to 3,000 dollars per year for an NFIP policy, depending on the property elevation, flood zone, and coverage amount. Private market rates can be higher or lower. Actual premiums are determined by the insurance carrier after reviewing the elevation certificate and flood map. 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 Berwick Maine?
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, flooding can occur, and many homeowners choose to purchase a policy for protection.
What does a flood insurance agent in Berwick do?
A flood insurance agent helps you determine your flood zone risk, explains NFIP and private policy options, and assists with completing the application and elevation certificate requirements. They also guide you on coverage limits and deductibles.
How long does it take to get flood insurance in Maine?
Standard NFIP policies have a 30-day waiting period before coverage begins, unless the policy is bought in connection with a new home purchase or a loan closing. Private flood insurance may have different waiting periods.
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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 Maine.