Compare and buy flood insurance in minutes.
One application gets you rates from FEMA’s National Flood Insurance Program and from private flood carriers. Free, online, no obligation.
No spam calls. We never sell your information. Prefer to talk? Call 888-546-1099.
| FEMA’s NFIP | Private flood | |
|---|---|---|
| Home building limit | Up to $250,000 | Higher limits available |
| Contents limit | Up to $100,000 | Set by the carrier, often higher |
| Waiting period | Usually 30 days | Often shorter |
| Living expenses if displaced | Not covered | Offered by many carriers |
Private flood terms vary by carrier and property. We quote both and you choose.
One application, rates from these carriers and FEMA’s NFIP
Four ways we place flood coverage
Most properties need one of these. Some need two, such as a primary policy with an excess layer on top.
FEMA flood insurance (NFIP)
The National Flood Insurance Program, run by FEMA and backed by the federal government. Every mortgage lender accepts it.
Home limits: $250,000 building, $100,000 contents
About the FEMA programPrivate flood insurance
Written by insurance companies instead of the federal program. Each carrier prices the property itself, so the same home can cost less than NFIP, or more.
Higher limits and shorter waiting periods are common
About private floodExcess flood insurance
Pays above the limit of a primary flood policy, for buildings that would cost more to rebuild than NFIP or a private policy will pay.
Sits on top of an NFIP or private policy
About excess floodCommercial flood insurance
Storefronts, offices, warehouses, mixed-use and rental buildings. NFIP stops at $500,000 on the building, so we also shop private and excess flood.
NFIP limits: $500,000 building, $500,000 contents
About commercial floodHow it works
- Start with your zip codeThen the property address. We look up the flood zone and building details and prefill the application. You can also upload your current declarations page.
- Compare NFIP and private ratesThe federal program and private flood carriers side by side, so you see real options instead of a single take-it-or-leave-it price.
- Pick a rate and get coveredBuy online, or have a licensed Insurox agent finish it with you.
What a flood policy pays for
Most home and commercial property policies exclude flood. A separate flood policy is what pays when water rises.
In many areas it costs less than people expect.- The buildingFoundation, walls, electrical, plumbing, heating and cooling, and built-in appliances, up to the policy limit.
- What is inside itFurniture, electronics, clothing and other belongings. Contents coverage is bought separately from building coverage.
- Renters and landlordsA renter insures contents only. An owner who rents the property out insures the building.
A licensed agency, not a lead seller
The Flood Insurance is run by Insurox, an independent insurance agency licensed in all fifty states. We quote and place your policy ourselves.
- Your information stays with usWe never sell it. No junk mail and no spam calls.
- Online or with a personDo the whole thing yourself, or hand it to a licensed Insurox agent who knows flood zones.
- Someone always answersCall or text Roxy, our AI assistant, at 833-366-3991 day or night. Agents are on 888-546-1099, Mon–Fri, 9am–5pm ET.
Common questions
Does homeowners insurance cover flood damage?
No. Standard home insurance policies exclude flood. It takes a separate flood policy, from the federal program or from a private carrier.
Do I have to buy flood insurance?
If the building is in a high-risk flood zone (zones that start with A or V) and you have a mortgage from a federally regulated or insured lender, the lender is required to make sure it is insured. Everywhere else it is your choice, and floods do happen outside the mapped high-risk zones.
What is the difference between NFIP and private flood?
NFIP is the federal program run by FEMA: the same limits and the same price through any agency. Private flood is written by insurance companies that price each property themselves and can offer higher limits and extra coverage. We quote both so you can compare.
How soon does coverage start?
NFIP policies usually start 30 days after purchase, with an exception for policies bought in connection with a mortgage closing. Private carriers often start sooner. Either way, buy before a storm is in the forecast.
I rent. Can I get flood insurance?
Yes. Renters can insure their belongings with a contents-only flood policy. The building is the owner’s to insure.
What does a quote cost?
Nothing. Quotes are free and carry no obligation, and we never sell your information.
See what your address would cost
Free, online, no obligation. Prefer to talk? Call 888-546-1099 (Mon–Fri, 9am–5pm ET), or call or text Roxy, our AI assistant, any time at 833-366-3991.