Q: Does my homeowner's insurance cover flooding? A: No. Standard homeowner's insurance policies do not cover flood damage. Flooding requires a separate flood insurance policy, either through the National Flood Insurance Program (NFIP) or a private carrier.

Q: Do I need flood insurance if I'm not in a flood zone? A: Yes — and here's why. FEMA estimates that roughly 25% of all flood insurance claims come from properties outside designated high-risk flood zones. Flooding can happen anywhere it rains, and a single flood event can cause tens of thousands of dollars in damage.

Q: How much does flood insurance cost? A: For homes outside high-risk flood zones, policies can start as low as $400–$700 per year through the NFIP. Private flood insurance is often more competitive and can offer broader coverage. The exact cost depends on your property's location, elevation, and construction type.

Q: What is the NFIP? A: The National Flood Insurance Program is a federal program managed by FEMA that provides flood insurance to homeowners, renters, and businesses. It is available in most communities across the US and is often required by mortgage lenders for properties in high-risk flood zones.

Q: What is private flood insurance and how is it different from NFIP? A: Private flood insurance is offered by independent insurance carriers rather than the federal government. It often provides higher coverage limits, faster claims processing, and more flexible policy options than NFIP. In many cases it is also less expensive.

Q: Is there a waiting period for flood insurance? A: Yes. NFIP policies typically have a 30-day waiting period before coverage begins. Private flood insurance waiting periods vary by carrier but are often shorter — sometimes as little as 10–14 days. This is why it's important not to wait until a storm is approaching to get covered.

Q: My mortgage lender is requiring flood insurance — what do I do? A: If your property is in a designated Special Flood Hazard Area (SFHA), your lender is required by law to ensure you have flood insurance. We can help you find a policy that satisfies your lender's requirements at the best available price.

Q: Are you licensed in my state? A: We are currently licensed in Florida and Texas, with expansion to Tennessee and Georgia coming soon. If you are in one of those states, we can help you find coverage today.

Q: How do I get a quote? A: Simple — fill out our short form at the top of this page or click the button below. It takes less than 2 minutes and there is no obligation to buy.