Flood Insurance Considerations for Western Massachusetts Homeowners

Massachusetts currently does not face flooding on the scale seen in Texas, but assessing local flood risks remains important for insurance preparedness. Insurance professionals recommend evaluating individual circumstances, such as proximity to water sources, to determine the need for specialized flood insurance beyond standard homeowner policies. One example includes coverage for damages from a water tank failure, which can be classified as a flood event under insurance terms. Homeowners in Western Massachusetts should thoroughly review their insurance policies to understand coverage gaps related to flood risks and consider adding flood insurance where necessary to protect against significant water damage.