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Browse flood insurance agents serving Osterville, Massachusetts. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Osterville, 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 3 flood insurance agents in Osterville, 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.
Hannon-Murphy Insurance
43 Parker Rd, Osterville, MA 02655
(508) 428-6919
hannonmurphy.com
Leonard Insurance Agency
683 Main St B, Osterville, MA 02655
(508) 428-6921
leonardagency.com
Hahesy Insurance Agency
901 Main St Suite I, Osterville, MA 02655
(508) 771-3355
hahesyinsurance.com
Flood insurance agents in Osterville Massachusetts help homeowners and businesses protect against coastal flooding and storm surge. Massachusetts law requires lenders to mandate flood insurance for properties in high-risk flood zones. Local agents understand the unique flood risks of Cape Cod and can guide you through the National Flood Insurance Program NFIP process.
What Does a Flood Insurance Agent in Osterville Cost?
Flood insurance costs in Massachusetts vary by property elevation, flood zone, and coverage amount. For a typical Osterville home in an AE zone, annual premiums range from 700 to 2,500 dollars for a standard NFIP policy. Higher-risk properties or those requiring an elevation certificate may pay more. 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 Osterville Massachusetts?
If your property is in a FEMA-designated Special Flood Hazard Area SFHA and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, flood insurance is recommended due to the area's coastal location.
How does a flood insurance agent help in Osterville?
A flood insurance agent in Osterville can assess your property's flood risk, explain NFIP coverage limits, and help you complete the required elevation certificate. They also assist with policy renewals and claims filing after a storm.
What is the waiting period for flood insurance in Massachusetts?
Standard NFIP policies have a 30-day waiting period before coverage begins. This applies to new policies in Osterville, so plan ahead before hurricane season or heavy rain events.
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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.