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Protect your South Shore home from spring flooding with the right coverage.
As spring approaches in Massachusetts, melting snow, seasonal rain, and rising groundwater bring more than just blooming flowers—they bring increased flood risks, especially for homeowners along the South Shore, including Quincy, Braintree, Weymouth, Hingham, and surrounding coastal communities. Whether you’ve lived in your home for decades or recently purchased a property near the water, reviewing your flood insurance coverage each spring is one of the most important steps you can take to protect your home and your finances.
At DPS Insurance, we specialize in helping Massachusetts homeowners understand the true risks of spring flooding and how to make sure they’re adequately insured for what lies ahead.
Why Spring is Prime Flood Season in Massachusetts
While many people associate floods with hurricanes or severe summer storms, the spring season poses serious flooding threats—often without much warning. Here’s why:
- Snowmelt from northern Massachusetts and inland areas can overflow rivers and back up drainage systems.
- Coastal storms and nor’easters in early spring can bring high winds, heavy rain, and tidal surges.
- Frozen ground from winter can prevent water absorption, causing water to pool around foundations.
- Heavy April rain is common in the Boston and South Shore regions and can saturate soil quickly.
In communities like Quincy and the coastal South Shore, where many homes are located near the ocean, rivers, or marshlands, even a few inches of floodwater can cause tens of thousands of dollars in damage.
Homeowners Insurance Doesn’t Cover Flood Damage
One of the most common misconceptions we hear from South Shore homeowners is, “I already have homeowners insurance—doesn’t that cover flooding?”
Unfortunately, standard homeowners insurance does not cover flood damage caused by natural water events. That includes:
- Storm surges
- Flash flooding
- Heavy rain runoff
- Groundwater seeping into basements
To protect your home from these risks, you need a dedicated flood insurance policy—typically provided through the National Flood Insurance Program (NFIP) or a private flood insurance carrier. DPS Insurance works with both to help you find the right fit.
Do You Really Need Flood Insurance? Here’s Why the Answer Might Be Yes
You might think that only beachfront or marshfront homes are at risk. However, many Quincy and South Shore homeowners are surprised to learn they live in or near a moderate-risk flood zone.
According to FEMA, more than 20% of flood insurance claims come from properties outside high-risk zones. And with the increasing intensity of weather events across Massachusetts, flood zones are shifting—meaning a property that wasn’t previously considered “at-risk” may now be vulnerable.
At DPS Insurance, we can help you:
- Check updated flood zone maps for Quincy and the South Shore
- Determine your home’s level of risk
- Understand the cost and benefits of different flood insurance options
What Does Flood Insurance Cover?
A flood insurance policy typically includes:
- Building property coverage: Protects the structure of your home, including electrical and plumbing systems, appliances, and foundation.
- Personal contents coverage: Covers your belongings, including furniture, electronics, and clothing.
We’ll work with you to calculate the appropriate limits for your property and contents to ensure you’re fully protected.
Now’s the Time: Why You Should Review Your Policy in April
Flood insurance policies often take 30 days to go into effect, so waiting until May or June could be too late to be covered for spring flooding.
By reviewing your policy in April:
- You’ll ensure you’re covered ahead of peak flooding season.
- You can adjust your limits to reflect property improvements or updated valuations.
- You’ll have time to explore more competitive pricing or expanded private-market options.
Why South Shore Homeowners Choose DPS Insurance
As a locally owned and operated insurance agency in Quincy, MA, DPS Insurance understands the unique challenges coastal homeowners face. We know the streets, neighborhoods, and floodplains that national insurers overlook—and we’re here to help you make informed, proactive decisions.
When you work with DPS Insurance, you get:
- Expert local knowledge of Quincy and South Shore flood zones
- Access to both NFIP and private-market flood insurance options
- Personalized support to understand your risk and coverage needs
- Ongoing reviews to keep your coverage aligned with changes to your property or flood zone
Let’s Get Ahead of the Water
Don’t let a flood catch you off guard this spring. Whether you already have flood insurance or you’ve never explored your options, DPS Insurance can help you review, update, or secure coverage tailored to your home and location.
Contact us today to schedule a flood insurance review and ensure you’re protected before the next storm hits. We proudly serve homeowners across Quincy, Boston, and the entire Massachusetts South Shore.
