Flood Insurance provides protection for destruction and financial devastation caused by floods in the greater Merrimack Valley area.

Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Did you know that home insurance does not cover floods. Purchasing a flood insurance policy through Merrimack Valley Insurance Agency can protect you.

Although it may not seem as necessary as homeowners insurance, Lowell flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of policies are available based on your property’s location and history:

  • Standard Flood Insurance Policies

    If you live in a community that participates in the NFIP, your building and its contents can be covered by a standard flood insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

  • Preferred Risk Flood Insurance Policies

    If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don’t wait until it’s too late. Contacting Merrimack Valley Insurance Agency today will get you on the path to flood protection with an affordable and comprehensive flood insurance policy.


Merrimack Valley Insurance Agency has been proudly providing Flood Insurance quotes and policies to our clients throughout the greater Merrimack Valley area since 1978.

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Welcome to the home of Merrimack Valley Insurance Agency – proudly providing the most trusted Massachusetts insurance solutions!

Located in Billerica, Massachusetts, Merrimack Valley Insurance Agency is your leading local insurance agency. Voted “Best Insurance Agency of Chelmsford/ Billerica” for the 18th time, we have been dedicated to serving the diverse Massachusetts insurance needs of area individuals, families and businesses since 1978.

Over the past 30 years, Merrimack Valley Insurance Agency has continued to evolve into a trusted coverage leader—with impeccable service and commitment to its clients—characteristics not often found in other MA insurance agencies.

We represent various local nationwide insurance carriers, allowing our dedicated agents to accurately compare rates and coverages; ensuring you receive the quality protection you deserve. Our extensive network of providers ensures that we can tailor the perfect Mass insurance solution for you—no matter where you are located across the state. We welcome you to join our family and learn about our broad book of options for MA insurance.

Perhaps you’re in need of reliable car insurance in Massachusetts or a Massachusetts Homeowners Insurance policy—well rest assured because we’ve made your coverage needs our number one priority! We offer all of the knowledge and skilled expertise you would expect from a well-established, family-run insurance agency.

Better yet, at Merrimack Valley Insurance Agency we certainly don’t stop there either! Be sure to ask one of our insurance specialists about our specialty coverage options available for commercial insurance in Massachusetts, how you create custom group health insurance in Massachusetts, and much more!

Besides our array of unique Massachusetts insurance products—what really makes Merrimack Valley Insurance Agency stand apart? Well for one, we take the time to fully evaluate your insurance needs so that your biggest assets are protected at the most competitive rates—and we pledge that our inclusive solutions are capable of giving you the peace of mind you’ve been looking for. At Merrimack Valley Insurance Agency, We consider everyone and every policy to be unique—which is precisely why you need, Merrimack Valley Insurance Agency to create a tailored, custom policy specifically for you!

Contact Merrimack Valley Insurance Agency, to speak with an agent right now to discover your coverage options and receive your free Massachusetts insurance quotes today!


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