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'The Flood Experts'

Since 1994

800-333-0883

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.

Quick Quote Form

Submit this form and America's Flood will run a Flood Zone determination on your property, then compare FEMA and Private Insurer policies to get you the best coverage at the lowest price.  We will send you an email soon with your Flood insurance quote.

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