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Flood Insurance Overview

Click here for Interactive Flood Plain MapFlood zones on Cape Cod have recently been redefined by FEMA using high-resolution technology. Formerly rounded to elevations in 3 foot increments, the new readings are in three inch increments. This degree of accuracy has added many properties to flood zones who were not previously classified as such.   

Mortgage companies require up-to-date flood insurance for protection from destruction and financial devastation caused by floods. Homeowners without mortgages are not required by law to carry flood insurance, as the risk is borne by the homeowner.

Read more: Flood Insurance Overview

Preferred Risk Flood Insurance

You are not required to purchase flood insurance if your property is in a low-to-moderate risk area, but you necessarily qualify for a lower rate.

Advising Cape and Island residents for many years, Bryden and Sullivan can provide a comprehensive assessment of your situation, and offer the most affordable plans available.

Standard Flood Insurance

Within flood zones, the National Flood Insurance Program (NFIP) requires separate coverage for buildings and contents. This can be a complex process, especially for seasonal residents and newcomers. Call Bryden and Sullivan for over 50 years' local experience with Cape and Island locations in all kinds of weather. 

Insurance ... simple and done!

6 Steps for Storm Preparedness on Cape Cod


1. Know your Risk.

Wind Storms, Hurricanes, Blizzards and Flooding are our most immediate concerns on Cape Cod. It's always best to have your own Emergency Preparedness Plan. You can protect your local emergency management organization to determine if there are already community-wide preparedness materials you can have, including evacuation routes, shelters and communication systems.

2. Assemble or Update your Emergency Kit.

Stock up on basic supplies you might need if you had to evacuate your home quickly. Items may include food, water, first aid supplies, medication, batteries, blankets and pet supplies. Put these items in a lightweight, waterproof container an dplace it somehere that can be easily accessed in an emegrency.

3. Create a Communication Plan.

Your family might not be together when disaster strikes. Have a discussion with your kids about emergency preparedness, including where you can meet and how everyone can get in contact if the unexpected happens.

4. Practice your Plan.

Mock scenarios with your family and even your entire community can help everyone understand how to prepare for, react to and recover from a disaster with confidence. That way, if an emergency were to strike, each member would know exactly which tasks they are responsible for to keep themselves and others safe. 

5. Prepare your Home.

You can reduce the risk of injury to yourself and damage to your home by preparing your property for disaster. For example. in the case of a hurricane, it is recommended to board all windows and doors with hurricane shutters, and turn refrigerators and freezers to the coldest setting in order to preserve food, whereas a blizzard and freezing temps require salting the driveway and letting cold water drip from the faucet to prevent frozen pipes.


6. Document and Insure your property.

Under certain circumstances, damage to your home may not be covered under a basic homeowner's insurance policy. Talk to Bryden and Sullivan insurance agents to determine if you need any additional coverage for the risks your area is particularly susceptible to, such as tornadoes, wildfires, hurricanes and more.


Hyannis Office
88 Falmouth Road Rt 28
Hyannis, MA 02601
FAX 508-790-1414


Hours  Monday - Friday
9 am -  4:30 pm

Bryden and Sullivan operates solely within the State of Massachusetts
Please note that coverage cannot be issued, started, cancelled, reinstated or changed via email
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Dennis Office
485 Route 134, PO Box 1497
So. Dennis MA 02660
FAX 508-394-2267