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Massachusetts Flood Insurance and Related Risks

Flooding can happen anywhere in the United States at any time and here in the state of Massachusetts there are concerns because major storms have a tendency to hit this region from time to time.


Floods are the most common natural disaster in the United States. From 2003 to 2012, total flood insurance claims averaged more than $3.0 billion per year. In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage. Is your property in a high risk or moderate to low risk area?


Knowing your flood profile will help you understand your risk of financial loss, and if you are a homeowner you should be aware that losses due to flooding are not covered under typical homeowner’s insurance policies. You need to purchase flood insurance in Massachusetts in order to be protected.


Some main causes of flooding


  • Hurricanes and tropical storms cause floods that can create far more damage than high winds


  • Nor’easters also cause flooding and storm surge


  • Heavy rains, winter storms, and spring thaws bring flooding to river basins


  • Overburdened or clogged drainage systems lead to property damage both within and outside floodplains


  • Construction and new development affect natural drainage and can create new flood risks


Flood maps help to determine your level of risk and you can view current flood maps at FEMA’s Map Store located at www.store.msc.fema.gov. FEMA is also undertaking a nationwide effort to produce new digitized flood maps for hundreds of communities over the next five years that will reflect changes in floodplains caused by new development and natural forces.
You should take certain precautions to protect your property before floods occur. Be sure that major appliances, electric switchboxes, outlets and heating equipment are well above potential flood levels. Also, install floating drain plugs and sewer system backflow valves to help prevent flood drain overflow. But most importantly invest in a Massachusetts flood insurance policy that will aid you when disaster strikes.