Umbrella Insurance Agencies in Wakefield, MA

Wakefield at a glance

• 3umbrella insurance agencies listed
• 29.3%of households rentRenters insurance
• $723,500median home valueHome insurance
• 1956median year homes were builtRebuild cost calculator
• 3.9%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Middlesex County

FEMA rates the overall natural hazard risk in Middlesex County, where most Wakefield agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

• Ice stormVery High
• Inland floodingRelatively High

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance
• LightningRelatively High

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Wakefield
• HurricaneRelatively High

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in Wakefield
• Strong windRelatively High

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Wakefield

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.