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Directory of flood insurance agents in Winchester, Massachusetts. Verify credentials with the state department of insurance before hiring.
10 agents listed
Updated May 2026
Winchester, 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 10 flood insurance agents in Winchester, 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.
Scotti Insurance Agency
19 Mt Vernon St, Winchester, MA 01890
(781) 729-9200
scottiinsurance.com
Saltmarsh Insurance Agency
751 Main St, Winchester, MA 01890
(781) 729-4615
saltmarshinsurance.com
John A Pierce Insurance Inc
934 Main St, Winchester, MA 01890
(781) 729-8770
johnpierceinsurance.com
W Allan Wilde & Son Insurance Agency, Inc.
887 Main St #1911, Winchester, MA 01890
(781) 729-1400
wildeinsurance.com
Horace Mann Insurance Co
895 Main St, Winchester, MA 01890
(781) 368-9029
agents.horacemann.com
Furey Insurance
28 Church St #8, Winchester, MA 01890
(781) 721-5758
fureyins.com
BARRY FREEMAN
895 Main St, Winchester, MA 01890
(781) 368-9029
barryfreemaninsurance.com
Barry & McHugh Insurance Inc
10 Skillings Rd, Winchester, MA 01890
(781) 729-6600
barryfinn.com
Jay M Finn Insurance
10 Skillings Rd, Winchester, MA 01890
(781) 729-5724
barryfinn.com
Ducey Insurance Agency
10 Skillings Rd, Winchester, MA 01890
(781) 235-6795
Winchester Massachusetts sits near the Mystic River and several ponds making flood risk a concern for many homeowners. A flood insurance agent in Winchester can help you understand the National Flood Insurance Program (NFIP) rules and Massachusetts state requirements. Massachusetts law requires lenders to mandate flood insurance for properties in high-risk flood zones so working with a local agent ensures you meet all obligations.
What Does a Flood Insurance Agent in Winchester Cost?
Typical flood insurance costs in Massachusetts range from 500 to 2,000 dollars per year for NFIP policies. Premiums depend on your property's flood zone elevation and building characteristics. Private market policies may offer different pricing. This is general information 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 Winchester Massachusetts?
If your property is in a Special Flood Hazard Area (SFHA) as shown on FEMA maps your lender will require flood insurance. Even outside high-risk zones flooding can occur so many homeowners choose coverage for peace of mind.
What does a flood insurance agent in Winchester do?
A flood insurance agent helps you assess your flood risk compare NFIP and private market policies and complete the application. They also guide you on elevation certificates and Massachusetts building code requirements for new construction.
How long does it take to get flood insurance in Massachusetts?
Standard NFIP policies have a 30-day waiting period before coverage begins. However if you are buying a home or refinancing you may qualify for an exception. Your agent can explain the timing for your specific situation.
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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.