Flood insurance, done right.
A flood zone letter isn't an answer. Type any address and get the full picture — the official FEMA zone on a live floodplain map, claims paid near you, federal disaster history, and a printable risk report — from people who specialize in nothing but flood.
Check your flood zone
Start typing an address — we'll pull its official FEMA flood zone, plot it on a live floodplain map, and show you what's happened nearby.
One address. Every angle.
Fast quotes are easy. Being right takes work. Every address you check runs through five layers — because flood risk is never one number.
Official FEMA flood zone
Pulled live from FEMA's National Flood Hazard Layer and translated into plain English.
Live floodplain map
Your property pinned on the actual FEMA flood map — see the water, not just the letter.
Claims paid near you
Real NFIP claims history for the area, so you know what's actually happened nearby.
Federal disaster history
Every federal flood disaster declared for the county — the track record matters.
Printable risk report
The whole picture on one page: zone, history, and next steps. Save it, share it, keep it.
Your homeowners policy doesn't cover floods. We do.
Standard homeowners and renters insurance excludes flood damage — full stop. If water rises, you're on your own without a dedicated flood policy.
For homeowners
A flood policy protects the structure itself — foundation, walls, electrical, plumbing, and built-in appliances — plus your belongings inside.
- Building coverage for the structure and its systems
- Contents coverage for furniture, clothing, and electronics
- Basement and below-grade coverage options
- Replacement-cost options on many private policies
For renters & condos
You don't own the building, but everything in it is yours to lose. Contents-only flood policies are surprisingly affordable.
- Contents-only policies for renters
- Interior-unit coverage for condo owners
- Loss-of-use options so a flood doesn't strand you
- No landlord policy protects your stuff — this does
One flood can close a business for good.
Roughly 40% of small businesses never reopen after a disaster. Commercial flood coverage protects the building, what's inside it, and the income it generates.
Building & contents
Commercial buildings face higher limits and more complex valuations than homes. We make sure the numbers match reality — not a guess.
- Building coverage up to policy limits for owned structures
- Contents, inventory, and equipment protection
- Coverage for leased spaces and tenant improvements
- Multiple locations scheduled on one program
Business interruption
The water recedes. The repairs take months. Interruption coverage keeps payroll and bills paid while you rebuild.
- Lost income while you're closed for repairs
- Extra expense to relocate or operate temporarily
- Civil-authority coverage when officials close your area
- Coordination with your existing BOP or package policy
NFIP vs. private flood insurance
There are two ways to buy flood insurance. An honest specialist will show you both and recommend whichever fits — not whichever pays more.
| NFIP (federal) | Private flood | |
|---|---|---|
| Backed by | FEMA's National Flood Insurance Program | Private insurance carriers |
| Coverage limits | Capped (residential: $250k building / $100k contents) | Often higher — built for expensive homes and commercial buildings |
| Waiting period | Typically 30 days before coverage starts | Often shorter — sometimes under two weeks |
| Pricing | Standardized federal rates | Competitive — frequently cheaper for low- and moderate-risk zones |
| Best for | High-risk zones where lenders require it; straightforward homes | Higher-value properties, commercial risks, anyone wanting more than the caps |
We shop both. That's the whole point of a specialist.
Flood insurance guides
Plain-English explainers from people who do flood insurance all day. No jargon, no sales pitch — just what you need to know before you buy.
NFIP vs. private flood insurance
The full, honest comparison: caps, waits, pricing — and who should consider which.
Flood zones explained
What A, AE, V, VE, X, and D mean for your lender, your premium, and your risk.
Risk Rating 2.0 explained
How the NFIP prices your policy now — and what actually drives the number.
Elevation certificates
When one document can cut your premium or win a map dispute.
Waiting periods
The 30-day rule, the exceptions, and why you can't wait for the forecast.
Do I need flood insurance?
Myth-busting, the renter and condo angle, and how to decide.
Commercial flood insurance
Your BOP doesn't cover flood. Limits, lenders, and the business-interruption gap.
Tell us about the property.
We pull your full flood picture, shop NFIP and private markets, and come back with real options — usually within one business day.
Serving TX, FL, GA, SC, AL, MS, NC, CA, and CO.