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'The Flood Experts'

Since 1994


Nationwide M-F 9:00-5:00

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Flood Insurance is Complicated.

We explain it and solve it.

And find great low prices.

Get Flood Quotes in 30 minutes or less.

FEMA Policies

  • National Flood Insurance Program (NFIP)
  • Govt. mandated coverage
  • Available for all Flood Zones
  • A & V Zone prices are rising
  • Elevation Certificate (EC) often needed
  • 30 day wait for coverage after payment
  • Accepted by all Lenders

Private Policies

  • Private Insurance Companies (A-rated)
  • Same as FEMA coverage or better
  • For zones starting with A or V
  • Prices usually lower than FEMA
  • No EC needed occasional based on company
  • 15-30 day wait for coverage after payment
  • Accepted by nearly all Lenders
The lowest priced policy is influenced by the Flood Zone of your building. We get a Flood Zone Determination for your property when you submit the Short Form.
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 showing the building elevated above the base flood elevation.
Zones B, C & X
(Medium Risk)
  • FEMA PRP is the Lowest priced Flood Insurance available.
  • The Preferred Risk Policy (PRP), has all the standard coverages.
  • Nearly 25% of flood losses occur in the B, C & X zones.
  • Anyone near any water should have a low cost PRP policy.

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Flood Facts Card


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