South Shore residents in coastal towns like Scituate, know that flooding can devastate a home or business. Standard homeowners insurance doesn’t include flood coverage. Talk to the local agents at McSweeney & Ricci about flood insurance in Scituate, Massachusetts today.

Flood damage to your home, condo, or apartment isn’t covered by a typical homeowners insurance policy. Only a flood insurance policy is meant to protect policyholders from the direct damages associated with the effects of flooding. Without flood insurance, coastal residents in towns like Scituate, could be left paying out-of-pocket for repairs following coastal storms, Nor’ Easters, Hurricanes and periods of heavy rainfall.

The effects of flooding can be devastating and can leave homes uninhabitable, force businesses to close, and possessions destroyed. Flood insurance in Scituate, Massachusetts is available to protect individuals and businesses from such devastation.

If you’re ready to discuss adding flood insurance in Scituate, Massachusetts to your home insurance program, contact McSweeney & Ricci at (844) 501-1359 or submit for a free quote here on our website.

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    Your homeowners insurance protects your Scituate home from losses like fire and theft, only flood insurance helps with expenses in the aftermath of a flood.

    Flood Insurance in Scituate, Massachusetts


    If your home or business is located in what the Federal Emergency Management Agency (FEMA) designates a “high-risk” flood zone, you are required to carry Flood Insurance in Scituate, Massachusetts. Generally, FEMA designates any place with a 1% or higher chance of experiencing a flood each year a high risk. Those areas have at least a one-in-four chance of flooding during a 30-year mortgage. While there’s no such thing as a “no-risk zone,” some areas have lower or moderate risk.

    Because floods can happen anywhere, McSweeney & Ricci recommends adding flood insurance to your insurance program whether you live in a flood zone or not.  Anywhere it rains, it can flood. In fact, more than 20% of flood claims made to the National Flood Insurance Program (NFIP) are reported by people in zones not considered “high-risk.”

    Our team of professionals knows the insurance needs of Scituate residents. We’ve had offices on the South Shore of Massachusetts for over fifty years. We’ve partnered with numerous top-rated insurance companies which allows us to provide competitive rates and flexible coverage options. We keep current on flood map changes in your area and can offer advice, along with a personalized insurance plan suited to your unique needs. We know your time is precious, so we offer conveniences such as an in-house claims department, on-site registry services and two convenient locations. Whether you need home, auto, flood or business insurance, we’re your local insurance agency with over half a century of expertise. We hope to hear from you!