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Directory of flood insurance agents in Westerly, Rhode Island. Verify credentials with the state department of insurance before hiring.
9 agents listed
Updated May 2026
Westerly, RI
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 Rhode Island before hiring.
Showing 9 flood insurance agents in Westerly, RI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lathrop Insurance
33 Crestview Dr, Westerly, RI 02891
(401) 596-2525
lathropinsurance.com
Fallon Insurance Agency
43 Broad St # 3, Westerly, RI 02891
(401) 868-8265
fallonagency.com
Mansfield Insurance Agency
115 High St #1821, Westerly, RI 02891
(401) 596-2096
mansfieldins.com
Louis Panciera Insurance
48 Main St, Westerly, RI 02891
(401) 596-4977
louispancierainc.com
Neri Agency, Inc.: Allstate Insurance
105 Franklin St Unit 29, Westerly, RI 02891
(401) 596-7770
agents.allstate.com
Thorp & Trainer
107 Airport Rd, Westerly, RI 02891
(401) 596-0146
thorptrainer.com
Schonning Insurance
90 Airport Rd, Westerly, RI 02891
(401) 348-2000
schonninginsurance.com
Bouvier Insurance, A HUB International Company: Westerly
2 Wilder Ave, Westerly, RI 02891
(401) 326-6000
binsurance.com
Philip Overton - Prudential Financial
53 High St Suite 31, Westerly, RI 02891
(401) 596-8297
prudential.com
Flood insurance agents in Westerly Rhode Island help property owners secure coverage through the National Flood Insurance Program and private markets. Westerly sits along the coast with many homes in Special Flood Hazard Areas, making flood insurance a key consideration. Rhode Island law requires flood insurance for federally backed mortgages on properties in high-risk zones.
What Does a Flood Insurance Agent in Westerly Cost?
Flood insurance costs in Rhode Island vary widely based on flood zone, building elevation, and coverage amount. For an NFIP policy in Westerly, annual premiums often range from 700 to 2,500 dollars for a standard home, but high-risk coastal properties can exceed 5,000 dollars. Private market policies may offer lower rates for lower-risk zones. 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 Westerly Rhode Island?
If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, agents can help you consider optional coverage for storm surge or heavy rain events.
What does a flood insurance agent in Westerly do?
A flood insurance agent helps you determine your flood zone, compare NFIP and private policy options, and complete the application. They also explain waiting periods and elevation certificate requirements specific to Rhode Island coastal areas.
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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 Rhode Island.