--- title: Flood Insurance through a Norwood Insurance Agency description: Insurance Agents are asked a lot of questions about flood insurance. This article has a few of the common questions we hear at our agency in Norwood. --- [![DEM Header Logo.png](https://www.demsure.com/hs-fs/hubfs/2018%20Redesign/DEM%20Header%20Logo.png?width=460&name=DEM%20Header%20Logo.png "DEM Header Logo.png")](https://www.demsure.com/) # Dempsey Insurance Agency Blog # Flood Insurance through a Norwood Insurance Agency [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) Aug 1, 2012 9:30:00 AM - [Tweet](https://twitter.com/share) Flood loss is excluded from your personal homeowner insurance, so how do you get coverage? You could add water back up and sump overflow to your homeowner insurance, but if you are at a higher risk, it might not be enough. Our agency is located in Norwood, Massachusetts and it is not an area known for flooding, but there are still many flood policies written in the area and we are asked questions all the time about flood insurance. *What if you are in a high risk flood zone?* You will be required to purchase flood insurance if you are financing your home. Everyone is in a flood zone, but most are in low risk zones where flood insurance isn't a requirement. ![flood insurance norwood](https://www.demsure.com/hs-fs/file-17158859-jpg/images/venice_overflow-resized-600.jpg?width=392&height=294&name=venice_overflow-resized-600.jpg) *How much coverage do I need?* Personal Flood policies have a range of coverage available, but they max out the dwelling coverage at $250,000. Contents coverage is available to purchase on the policy as well. Sometimes the mortgage company will have a figure they need to see minimally for the dwelling and other times you can select according to what you would like to have on the policy. You can always speak with an agent for options and costs. *Isn't flood insurance really expensive?* In many cases flood insurance is not high priced, especially if you are in a lower risk zone. If you are in a high risk zone the prices can be higher, but there are ways to keep the premium down including selecting higher deductibles. The other option in high risk zones is to obtain an elevation certificate from a certified engineer (contact local town hall for approved individuals). An elevation certificate can cost a few hundred dollars to have completed, but if you are found to have a high elevation within a high risk zone it can dramatically lower your premiums on flood insurance. *Recent ****changes in 2012* to flood insurance include a 5 year extension to the National Flood Insurance Plan and also many counties in Massachusetts have been re-mapped, so you might not have been in a high risk flood zone 5 years ago, but with the new maps you might be in one now or maybe were moved out of a high risk zone. Topics: [insurance agency norwood](https://www.demsure.com/blog/topic/insurance-agency-norwood), [flood insurance norwood](https://www.demsure.com/blog/topic/flood-insurance-norwood), [flood insurance walpole](https://www.demsure.com/blog/topic/flood-insurance-walpole), [flood insurance canton](https://www.demsure.com/blog/topic/flood-insurance-canton) ### Get a Free Quote! ### Recent Posts ### Join Our Mailing List ### Posts by Topic - [homeowners insurance agency norwood (10)](https://www.demsure.com/blog/topic/homeowners-insurance-agency-norwood) - [Homeowners Insurance (9)](https://www.demsure.com/blog/topic/homeowners-insurance) - [Insurance Norwood (9)](https://www.demsure.com/blog/topic/insurance-norwood) - [auto insurance norwood (9)](https://www.demsure.com/blog/topic/auto-insurance-norwood) - [#prep4winter (7)](https://www.demsure.com/blog/topic/prep4winter) - [Car Insurance (6)](https://www.demsure.com/blog/topic/car-insurance) - [Commercial Auto Insurance (6)](https://www.demsure.com/blog/topic/commercial-auto-insurance) - [insurance agency norwood (6)](https://www.demsure.com/blog/topic/insurance-agency-norwood) - [Condo Insurance Norwood (5)](https://www.demsure.com/blog/topic/condo-insurance-norwood) - [Snow (5)](https://www.demsure.com/blog/topic/snow) - [auto insurance agent Massachusetts (5)](https://www.demsure.com/blog/topic/auto-insurance-agent-massachusetts) - [home insurance agent (5)](https://www.demsure.com/blog/topic/home-insurance-agent) - [Business Insurance (4)](https://www.demsure.com/blog/topic/business-insurance) - [Covid-19 (4)](https://www.demsure.com/blog/topic/covid-19) - [Home Insurance (4)](https://www.demsure.com/blog/topic/home-insurance) - [Winterweather (4)](https://www.demsure.com/blog/topic/winterweather) - [condo unit insurance (4)](https://www.demsure.com/blog/topic/condo-unit-insurance) - [massachusetts insurance agent (4)](https://www.demsure.com/blog/topic/massachusetts-insurance-agent) - [Cold Weather (3)](https://www.demsure.com/blog/topic/cold-weather) - [Freezing Pipes (3)](https://www.demsure.com/blog/topic/freezing-pipes) - [Personal Insurance (3)](https://www.demsure.com/blog/topic/personal-insurance) - [RMV (3)](https://www.demsure.com/blog/topic/rmv) - [Winterize your home (3)](https://www.demsure.com/blog/topic/winterize-your-home) - [thanksgiving (3)](https://www.demsure.com/blog/topic/thanksgiving) - [winter driving (3)](https://www.demsure.com/blog/topic/winter-driving) - [#HOME MAINTENANCE (2)](https://www.demsure.com/blog/topic/home-maintenance) - [#waterdamage (2)](https://www.demsure.com/blog/topic/waterdamage) - [Auto Accidents (2)](https://www.demsure.com/blog/topic/auto-accidents) - [Ice Damn Prevention (2)](https://www.demsure.com/blog/topic/ice-damn-prevention) - [Ice Dams (2)](https://www.demsure.com/blog/topic/ice-dams) - [MA License (2)](https://www.demsure.com/blog/topic/ma-license) - [Sleet (2)](https://www.demsure.com/blog/topic/sleet) - [Special Olympics August Games (2)](https://www.demsure.com/blog/topic/special-olympics-august-games) - [condo insurance Walpole (2)](https://www.demsure.com/blog/topic/condo-insurance-walpole) - [loss assessment coverage (2)](https://www.demsure.com/blog/topic/loss-assessment-coverage) - [massachusetts auto insurance policy (2)](https://www.demsure.com/blog/topic/massachusetts-auto-insurance-policy) - [umbrella policy norwood (2)](https://www.demsure.com/blog/topic/umbrella-policy-norwood) - [#summersafety (1)](https://www.demsure.com/blog/topic/summersafety) - [BOPinsurance (1)](https://www.demsure.com/blog/topic/bopinsurance) - [Hand's Free Driving in MA (1)](https://www.demsure.com/blog/topic/hands-free-driving-in-ma) - [Hand's Free Driving in Massachusetts (1)](https://www.demsure.com/blog/topic/hands-free-driving-in-massachusetts) - [MA ID (1)](https://www.demsure.com/blog/topic/ma-id) - [Over The Edge (1)](https://www.demsure.com/blog/topic/over-the-edge) - [boat insurance norwood (1)](https://www.demsure.com/blog/topic/boat-insurance-norwood) - [condo versus homeowners (1)](https://www.demsure.com/blog/topic/condo-versus-homeowners) - [flood insurance canton (1)](https://www.demsure.com/blog/topic/flood-insurance-canton) - [flood insurance norwood (1)](https://www.demsure.com/blog/topic/flood-insurance-norwood) - [flood insurance walpole (1)](https://www.demsure.com/blog/topic/flood-insurance-walpole) - [flood zone (1)](https://www.demsure.com/blog/topic/flood-zone) - [headlight law (1)](https://www.demsure.com/blog/topic/headlight-law) - [mortgage insurance requirements (1)](https://www.demsure.com/blog/topic/mortgage-insurance-requirements) - [travel safety (1)](https://www.demsure.com/blog/topic/travel-safety) - [what is an umbrella policy (1)](https://www.demsure.com/blog/topic/what-is-an-umbrella-policy) - [what is the new headlight law in massachusetts? (1)](https://www.demsure.com/blog/topic/what-is-the-new-headlight-law-in-massachusetts) [see all](https://www.demsure.com/blog/bid/150473/Flood-Insurance-through-a-Norwood-Insurance-Agency#) [![Dempsey Footer.png](https://www.demsure.com/hs-fs/hubfs/2018%20Redesign/Logos/Dempsey%20Footer.png?width=373&name=Dempsey%20Footer.png "Dempsey Footer.png")](https://www.demsure.com) Phone: 781-762-0042 Fax: 781-769-7730 FrontDesk@demsure.com 145 Railroad Avenue Norwood, MA 02062 Blog Feed © 2026 Dempsey Insurance Agency | [Privacy Policy](https://www.demsure.com/disclaim) This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication. **HOW WE ARE PAID FOR OUR SERVICES** Our insurance agency is committed to dealing fairly with complete integrity and transparency with consumers, other insurance producers and others with whom we work in providing insurance products and services. To that end, we provide this disclosure regarding our sources of compensation from insurance companies or other parties. Our agency may receive compensation in the form of commissions paid by an insurance company, calculated as a percentage of premiums, pursuant to an arrangement with the insurance company. These commissions are for the service we perform in placing and servicing insurance policies on the insurance company’s behalf. Our agency may also be eligible to receive other forms of compensation such as incentive or contingency payments or bonuses and/or supplemental commissions from insurance companies. These may be based on our aggregate historical or current performance with respect to a line of business or customer segment and not specifically related to any particular policy or policyholder. Other insurance producers who perform service in placing and servicing insurance through our agency may receive compensation from our agency in the form of service fees as determined by our agency’s arrangement with such producer. Our agency may hold premium or return premium funds temporarily, in which case our agency may receive interest or investment income on such funds.   Website Built & Powered by [Jump Suit Group](https://www.jumpsuitgroup.com/)