⚠ The National Flood Insurance Program's current authorization expires September 30, 2026. If Congress doesn't act, new NFIP policies pause — but we can still write private flood. Lock in your coverage now. Get a Quote →

Compare NFIP & Private Flood Insurance Quotes

Flood insurance, made simple. We shop the federal program and private carriers side by side — free, no obligation — so you get the right coverage at the right price.

Lower-risk homes often start around $300–$800/year. See what your property really costs →

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Not sure you need it? Take the 60-second quiz.
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26 years experience
Licensed in WI, FL, IL, MI & TN
NFIP & private options
Real people answer
26
Years of experience
4.8 / 5
Google rating · 84 reviews
5
States licensed
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Real agents. No call centers.
We quote: NFIP (National Flood Insurance Program) A.M. Best Rated Private Flood Carriers Licensed in WI, FL, IL, MI & TN
Simple process

How It Works

Three simple steps to find the right flood coverage.

1

Tell Us About Your Property

Fill out our quick quote form with your contact and property details. Takes less than 2 minutes, and there's no obligation.

2

We Compare Your Options

We shop NFIP and private flood markets to find you the best coverage at the best price for your specific situation.

3

You Choose

Review your options with a real person and pick the policy that fits. No pressure, no automated comparisons — just good advice.

Know your options

NFIP vs. Private Flood Insurance

We compare both so you don't have to.

NFIP (Federal)

  • Government-backed program
  • $250K building / $100K contents max
  • Standardized pricing
  • 30-day waiting period typical
  • Accepted by all lenders

The NFIP is backed by the federal government and available in most communities. Rates are standardized — the same price regardless of which agent writes the policy. Exceptions to the 30-day waiting period exist for new home purchases and lender requirements.

Private Flood Often Cheaper

  • Higher coverage limits available
  • May cost less depending on your property
  • Broader coverage options
  • Shorter or no waiting period
  • Accepted by most lenders

Private flood insurance can offer more flexible coverage, higher limits, and often lower premiums — especially for moderate-risk zones. Many private policies include replacement cost for contents and shorter waiting periods. Lender acceptance is now standard under federal law.

Freshly updated

FEMA Updated Flood Maps in These Areas

New flood maps are now in effect in these counties. If you got a letter from your lender, start here.

Oconto County, WI →
New maps effective March 17, 2026
Brown County, WI →
Fox & East River corridor
Door County, WI →
Bay & Lake-side properties
Milwaukee County, WI →
Lake Michigan shoreline
See all county updates →
Real clients, real results

What our clients say

From our clients — 4.8/5 across 84 Google reviews.

★★★★★

“They were so helpful in explaining everything to me and helping me set up autopayments. Every one is so friendly and understanding. I feel that I am in good hands.”

Nancy H.
Google review
★★★★★

“Always friendly, knowledgeable team. Reviewed all accounts to see where money could be saved while ensuring coverage needs were met.”

Dennis C.
Google review
★★★★★

“Very professional and easy to work with. Competitive rates and great customer service. I appreciate how quickly they respond and handle requests. Definitely recommend!”

Becky S.
Google review

Learn more about flood insurance before you buy

NFIP Flood Insurance Private Flood Insurance NFIP vs. Private Zone X & Low-Risk Condo Flood Insurance Commercial Flood Lender-Required Flood Insurance Cost How to Read a Flood Map
Answers

Flood Insurance Questions, Answered

How much does flood insurance cost?▾
It depends on your flood zone, elevation, and coverage amount. Lower-risk (Zone X) homes often start around $300–$800 per year. Higher-risk zones typically range from $1,200 to $3,800+. We quote both NFIP and private carriers so you see your real options — private flood is often less expensive for moderate-risk properties.
Is flood insurance required?▾
If your property is in a high-risk zone (Zone A or V) and you have a federally backed mortgage, yes — your lender must require it. Outside high-risk zones it is optional but worth pricing: according to FEMA, more than 40% of NFIP flood claims come from properties outside high-risk flood areas.
Doesn’t my homeowners insurance cover flooding?▾
No. Standard homeowners policies exclude flood damage in every state. Flood coverage requires a separate policy through the NFIP or a private flood carrier.
How long is the waiting period?▾
NFIP policies typically have a 30-day waiting period. There is no waiting period when the policy is purchased in connection with a home purchase at closing. Many private flood policies have shorter waiting periods — sometimes 7–15 days or less.
What’s the difference between NFIP and private flood insurance?▾
The NFIP is the federal program: standardized rates, $250K building / $100K contents maximums, accepted by all lenders. Private flood carriers can offer higher limits, replacement-cost contents coverage, shorter waiting periods, and — for many properties — lower premiums. We quote both on every request.
What states do you cover?▾
We’re licensed in Wisconsin, Michigan, Illinois, Florida, and Tennessee, and we write both NFIP and private flood in all five.

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