Get Your Flood Insurance Quote

Answer a few questions about your property — the same ones used by the NFIP. We'll compare NFIP and private flood options and reach out with your personalized quote.

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Where is your property?

Enter the address of the property you want to insure.

    Please enter your property address

    We're not currently licensed in . You can still get an NFIP quote at FloodSmart.gov, or continue and we'll connect you with a licensed agent in your state.

    What type of building is this?

    Select the option that best describes your property.

    Single Family Home
    Detached house
    Condo / Townhouse
    Unit in a building
    2–4 Unit Building
    Duplex, triplex, fourplex
    Commercial Property
    Office, retail, warehouse →

    What type of foundation does your building have?

    Select the one that best describes your building's foundation. These are the same categories used by the NFIP.

    Ground Level
    Slab on Grade
    Sits directly on a concrete pad
    Below ground on all sides
    Basement
    Any area with floor below ground level on all sides
    Crawlspace below
    Crawlspace
    Raised above ground by a crawlspace
    Open below — no enclosure
    Elevated — No Enclosure
    On posts, piles, or piers — open below
    Enclosed — on piers/posts
    Elevated with Enclosure
    On posts, piles, or piers — enclosed below
    Enclosed — solid walls
    Elevated — Solid Walls
    Foundation walls with full enclosure below

    Tell us about your building

    These details help us generate the most accurate quote comparison.

    Number of floors above ground

    Count only floors above ground level. Do not include basements, crawlspaces, or enclosed areas below the building.

    1 Floor
    2 Floors
    3+ Floors

    Exclude garage, basement, and porches

    Is this your primary residence?

    🏡
    Yes
    I live here most of the year
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    No
    Second home, rental, or seasonal

    Coverage details

    Select your desired coverage amounts. Not sure? Pick "Recommend for me" and we'll advise.

    Is this for a home purchase?

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    Yes — buying a home
    No waiting period at closing
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    No — I already own it
    Standard waiting period applies

    NFIP max is $250K building. Private can go higher.

    NFIP max is $100K contents.

    Higher deductible = lower premium. NFIP minimum is $1,000-$1,250.

    Do you have an elevation certificate?

    An elevation certificate can lower your premium. Not required but helpful if you have one.

    📄
    Yes, I have one
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    No / Not sure

    Last step — where should we send your quote?

    Enter your contact info to see your estimated premium range and have a specialist follow up with an exact NFIP vs. private comparison.

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    Valid email required

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    🔒 Your information is kept private and only used to prepare your flood insurance quote. We never sell your data. Insurance services provided through Kevin Huggett Agency Inc., Oconto, WI.

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    Your Quote Request Is In!

    Estimated Annual Premium Range
    $600 – $1,400
    Based on properties similar to yours. Private flood may be lower.
    ⚠️ This is only an estimate based on the information you provided. One of our flood insurance specialists will review your details and reach out with a completed and more accurate quote comparing both NFIP and private flood options. Submitting this form does not bind coverage or create an insurance policy. Most flood policies have a waiting period of up to 30 days before coverage begins.

    What happens next: A licensed specialist will call you within 1 business day to review your property details and present your NFIP and private flood options side by side.

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