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Looking for a flood insurance agent in Concord? Review the directory below to compare your options.
5 agents listed
Updated May 2026
Concord, 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 5 flood insurance agents in Concord, 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.
Bailey Howes Insurance
2250 Main St UNIT 100, Concord, MA 01742
(978) 369-0677
baileyhowesinsurance.com
Kaplansky Insurance- Concord Branch
200 Baker Ave Suite 210-A, Concord, MA 01742
(978) 369-3777
kaplansky.com
Middlesex Insurance Agency, LLC
300 Baker Ave #300a, Concord, MA 01742
(978) 832-0644
middlesexins.com
McWalter-Volunteer Insurance, a OneDigital Company
30 Monument Square #135, Concord, MA 01742
(978) 369-4313
mcwaltervolunteer.com
Gallagher Insurance, Risk Management & Consulting
1150 Main St, Concord, MA 01742
(978) 369-5656
northbridgeins.com
Flood insurance agents in Concord Massachusetts help property owners navigate National Flood Insurance Program requirements. Concord sits near the Sudbury and Assabet Rivers, making flood risk a concern for many homes. Massachusetts law does not mandate flood insurance, but lenders often require it for properties in Special Flood Hazard Areas.
What Does a Flood Insurance Agent in Concord Cost?
Flood insurance costs in Massachusetts vary by property. NFIP rates for a standard home range from about 700 to 2,000 dollars per year, but high-risk properties can exceed 4,000 dollars. Private market policies may offer lower rates for low-risk homes. Elevation, flood zone, and deductible choices all affect the premium. 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 Concord Massachusetts?
Flood insurance is not required by Massachusetts state law. However, if your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will likely require it.
What does a flood insurance agent in Concord do?
A flood insurance agent helps you assess your flood risk, choose the right NFIP or private policy, and complete the application. They can also explain elevation certificates and map changes that affect your premium.
How long does it take to get flood insurance in Concord?
NFIP policies typically have a 30-day waiting period before coverage begins. Some private insurers offer shorter waiting periods. Plan ahead to avoid gaps in coverage, especially during hurricane season.
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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 Massachusetts.