Tell us about the property
Flood risk and premium are driven by where and how a building is constructed. The more accurate this is, the closer your estimate.
Property street address *
Property type *
Select
Single-family home
2–4 unit residential
Condominium unit
Manufactured / mobile home
Commercial / non-residential
Occupancy *
Select
Primary residence
Secondary / seasonal home
Tenant-occupied / rental
Business use
Foundation / lowest floor type *
Select
Slab on grade
Crawlspace
Full or partial basement
Elevated on piers / pilings
Elevated with enclosure below
The lowest floor is the single biggest driver of flood premium.
Your flood risk profile
Don't know an answer? Choose "Not sure" — our specialists pull the official FEMA flood map data for your exact address before issuing the formal quote.
FEMA flood zone (if known) *
High-risk (A, AE, AO, V, VE)
Moderate (B, X-shaded)
Minimal (C, X)
Not sure
High-risk zones (Special Flood Hazard Areas) carry a mandatory purchase requirement for federally-backed mortgages.
Distance to nearest water *
Select
Less than 500 ft (coast, river, lake)
500 ft – 1 mile
More than 1 mile
Not sure
Lowest floor vs. Base Flood Elevation *
Select
At or above BFE
Below BFE
Not sure / no elevation certificate
Do you have an Elevation Certificate? *
Select
Yes, on file
No
Not sure
An EC can significantly lower premiums in high-risk zones.
Prior flood losses at this property? *
Select
No prior flood losses
1 prior loss
2 or more prior losses
Not sure
Is there a federally-backed mortgage on the property? *
Select
Yes
No
If yes and the home is in a high-risk zone, flood coverage is typically required by the lender.
Choose your coverage
NFIP residential building coverage tops out at $250,000 and contents at $100,000. Higher limits are available through excess/private flood markets — we can quote both.
Building (structure) coverage *
Select
$100,000
$150,000
$200,000
$250,000 (NFIP residential max)
$350,000 (excess/private)
$500,000 (excess/private)
Contents (personal property) coverage *
Select
No contents coverage
$25,000
$50,000
$75,000
$100,000 (NFIP max)
Deductible *
$1,000
$2,000
$5,000
$10,000
A higher deductible lowers your premium but raises your out-of-pocket cost at claim time.
When do you need coverage to start? *
Select
As soon as possible
Within 30 days
At loan closing
Just comparing for now
Note: NFIP policies generally carry a 30-day waiting period before they take effect.
.webp)