superior flood 110

'The Flood Experts'

Since 1994


Nationwide M-F 9:00-5:00

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Thank you for visiting America's Flood.


To get you the lowest Flood Insurance rate, we offer two policy types.


FEMA Policies through the National Flood Insurance Program (NFIP)


Private Policies written through A-rated insurance carriers.


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FEMA Policies

  • NFIP sets policy coverages & rates
  • Available for all Flood Zones
  • A & V Zone prices are rising
  • Elevation Certificate often needed
  • 30 day wait for coverage after payment
  • No wait for mortgage closings
  • Accepted by all Lenders

Private Policies

  • Same or better coverage than NFIP
  • For Zones starting with A or V
  • Prices usually lower than FEMA
  • No Elevation Certificate required
  • 14 day wait for coverage after payment
  • No wait for mortgage closings
  • Accepted by the largest lenders


The lowest priced policy is influenced by the Flood Zone of your building:

Zones A & V
(Highest Risk)
Private policy might be better price for the same coverage
FEMA policy could be a good price with an Elevation Certificate depending on building elevation and foundationn type.
Zones B, C & X
(Medium Risk)
FEMA PRP only: Lowest priced Flood Insurance available.
The Preferred Risk Policy, PRP, has all the FEMA NFIP coverages.
Over 25% of flood losses occur in these medium risk zones.
Anyone near any water should have the safety of a PRP policy.


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