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Looking for a flood insurance agent in Charlton? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Charlton, 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 Charlton, 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.
Anastasi Insurance Agency
4 Brookfield Rd, Charlton, MA 01507
(508) 248-1440
anastasiinsurance.com
The Bair Insurance Agency
58 A F Putnam Rd, Charlton, MA 01507
(508) 248-4204
bairinsurance.com
Flood insurance agents in Charlton Massachusetts help property owners secure coverage through the National Flood Insurance Program or private insurers. Charlton is located in Worcester County and has areas designated as Special Flood Hazard Areas. Massachusetts law requires lenders to mandate flood insurance for properties in high-risk zones with federally backed mortgages.
What Does a Flood Insurance Agent in Charlton Cost?
Flood insurance costs in Massachusetts vary by flood zone, building elevation, and coverage amount. For an NFIP policy in a low-risk zone, annual premiums may start around 500 dollars. In high-risk zones, costs can range from 1,000 to 3,000 dollars or more per year. Private market policies may offer different pricing. 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 Charlton Massachusetts?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, flood damage is not covered by standard homeowners policies.
What does a flood insurance agent do for Charlton residents?
A flood insurance agent helps you determine your flood zone, compare NFIP and private policy options, and complete the required elevation certificate. They also explain waiting periods and coverage limits specific to Massachusetts.
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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.