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Looking for a flood insurance agent in Watertown? Review the directory below to compare your options.
6 agents listed
Updated May 2026
Watertown, 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 6 flood insurance agents in Watertown, 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.
A-Affordable Insurance Agency, Inc.
351 Main St, Watertown, MA 02472
(617) 924-4242
a-affordableinsurance.com
Dallas Insurance Agency
68 Watertown St, Watertown, MA 02472
(617) 924-7474
robertadallasinsurance.com
WT Phelan Insurance
144 Main St, Watertown, MA 02471
(617) 923-9607
wtphelan.com
Jamgochian Insurance
405 Mt Auburn St, Watertown, MA 02472
(617) 924-7518
jamgoinsurance.com
J M Whitney Insurance Inc
151 Coolidge Ave #102, Watertown, MA 02472
(617) 924-6995
jmwhitney.com
Robert J O'Brien Insurance
279 Mt Auburn St, Watertown, MA 02472
(781) 899-1700
Flood insurance agents in Watertown Massachusetts help property owners secure coverage through the National Flood Insurance Program and private insurers. Watertown sits along the Charles River and parts of the city fall within Special Flood Hazard Areas where lenders require flood insurance. Massachusetts state law does not mandate flood insurance but mortgage lenders often require it for properties in high-risk zones.
What Does a Flood Insurance Agent in Watertown Cost?
Flood insurance costs in Massachusetts vary by property elevation flood zone and coverage amount. For an NFIP policy the average annual premium in Massachusetts is around 700 to 1,200 dollars for a standard home. Private market policies may cost more or less depending on risk. Actual rates depend on your specific location in Watertown and the building characteristics. 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 Watertown 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 require flood insurance. Even outside high-risk zones flooding can occur so many homeowners choose to purchase a policy.
What does a flood insurance agent do in Watertown?
A flood insurance agent helps you assess your flood risk determine the correct coverage amount and file the necessary paperwork with the NFIP or a private insurer. They can also advise on elevation certificates and flood zone map changes that affect your premium.
How long does it take to get flood insurance in Watertown?
Standard NFIP policies have a 30-day waiting period before coverage begins. Exceptions exist for loan closings or map revisions. An agent can help you plan ahead to avoid gaps in coverage.
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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.