Flood Insurance

BayCoast Insurance aims to provide extensive coverage, but certain situations like Flood Insurance have limitations or exclusions. Standard homeowner policies do not cover water damage such as storm surge, flood, and surface water, among others.

Living or working in Fall River, MA, or Rhode Island, various storms pose a flood risk all year round. Comprehensive flood insurance coverage is crucial in preparing for extreme weather and rising waters.

Here are some of the reasons that you, as a homeowner or business owner, should invest in the proper flood insurance:

• Increased flooding potential along the South Coast of Massachusetts and Rhode Island due to summer and winter storms.
• Erosion and flooding damage during minor storms along coastlines.
• Accelerating sea levels pose a growing threat, especially on the East Coast.
• FEMA reports 20% of flood claims come from moderate to low-risk areas.
• Standard homeowners insurance does not cover flood-related damages.
• Floods are the #1 natural disaster in the U.S. and worldwide.
• 25% of flood claims are outside of “high risk” A and V zones.
• The average residential flood claim is $46,000.
• Flood insurance may cover basement contents, pool repair, and temporary living expenses.
• The National Flood Insurance Program (NFIP) may provide flood insurance for participating communities.

Discover Your Property’s Flood Risk

Access your community’s flood map by visiting the FEMA Flood Map Service Center and searching with your property’s address.

Flood Insurance in South Coast MA and RI

BayCoast Insurance is the Massachusetts and Rhode Island flood insurance expert, qualified to assess your flood risk, estimate premiums, and find optimal flood insurance options. Schedule an appointment with a BayCoast Insurance Flood Expert at 1-508-676-5949 for a comprehensive review of your current flood risk and policy. We will provide a solid plan to protect your home or business from unpredictable weather events.