Flood Insurance

Most homeowners insurance doesn’t cover flooding—but that doesn’t mean you have to go without protection. At F&T Insurance Agency, we help homeowners across Massachusetts, Rhode Island, Connecticut, and New York get clear, reliable flood insurance that covers what standard policies won’t.

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Flood Risk is Real

Flood Insurance You Can Count On

Whether you're living near the coast in Westport MA, in a river-adjacent town in Rhode Island, or inland in Connecticut or New York, your home may be at risk. We help you secure a flood insurance policy homeowners can trust—before the water rises.

Basement & Ground-Level Protection

Flooding often starts from the bottom up. Our flood insurance options help cover foundational damage and the contents of lower levels—crucial in high-risk zones.

Cost of Living Coverage

Flood recovery takes time. Our policies can include temporary living expense coverage, helping you stay secure if your home becomes uninhabitable.

Affordable Federal & Private Options

We compare NFIP-backed plans and private flood insurance quotes residents can afford—so you get the best coverage at the best value.

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Common Flood Insurance Questions Answered

  • Is flood insurance included in my homeowners policy?

    No. Standard home insurance does not cover flood damage. A separate flood insurance policy is required for this type of protection.

  • Do I need flood insurance if I’m not in a flood zone?

    Possibly—many flood claims come from outside high-risk areas. We help you assess your property’s location and risk level.

  • How do I know how much coverage I need?

    We evaluate your property type, location, and existing home insurance to recommend a flood insurance coverage MA homeowners can feel confident in.

  • Can I buy flood insurance at any time?

    Yes, but there’s typically a 30-day waiting period before coverage starts unless it's required for a loan closing.


  • What’s the average cost of flood insurance?

    Rates vary based on location and risk. We offer affordable flood insurance MA-wide, balancing budget and protection.


We’re Ready to Help

Protect Against the Unexpected

Flooding is unpredictable—but your coverage doesn’t have to be. At F&T Insurance Agency, we guide you from quote to policy to claim, providing hands-on support for every question and every what-if. It’s more than a policy—it’s a partnership.

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