We are the ONLY flood insurance agency that are experts in flood insurance. 

It’s all we do. 

We work with flood insurance nationwide.

And we can help you with a government policy if you need it. (NFIP/FEMA) 

Or we can help you get a private flood policy (usually to save money).

Our shopping includes many (and there are many) of the Lloyds of London Flood insurance policies as well as other private flood options. 

We ensure you get a flood insurance quote that will meet your needs.

Many lenders, realtors, insurance agents know they are not able to deliver at the expert level we can, they know us as the “Flood Nerds.”

We promise to get you the BEST coverage at the BEST price.

To do this, we shop all the options that are available in your area. 

Since we only work in flood insurance, we are pretty good at it. Guaranteed.

Yes Please shop for my flood insurance

Flood Maps

Hello, I’m Robert Murphy, Founder of Better Flood Insurance and the patriarch FLOOD NERD.

I’m am going to share with you how to get the best price on your flood insurance.

Let us do your shopping for free.

It’s that simple.

You might be looking to buy a new home.

Your local agent is giving you a ridiculous cost of flood insurance.

Or you might have had a flood insurance policy for many years, and it just keeps going up.

We are the flood insurance agency that is going to shop for all the options for in your area. And will get you the best flood insurance quote.


Just fill out our intake form and, we will start shopping right away.

The button is right below this sentence.

Yes Please shop for my flood insurance

There is no catch.

Our goal is to help you be better informed to make the best flood insurance decision you can. 

Feel confident you are getting the best price. 

Every flood nerd has these two pledges.

•  We must get you the best coverage we can for your property.

• We must be the best flood insurance cost we can for your property.

I believe you need to get this information.

Please don’t wait until it is too late. 

When you see water in your back yard. 

Let's get shopping

If you currently have a National Flood Insurance Program (NFIP/FEMA) policy.

You know how expensive premiums are getting – and how hard it is to pay your flood insurance renewal.

This is the Best Flood Insurance Agency you will find, period.

We’ve always prided ourselves on being more than a just FLOOD insurance agency.

We are Flood Insurance Nerds.

We make buying a new home that needs flood insurance possibilities. Start by filling out our discovery form and, sometimes we will call you for a free consultation that takes less than 5 minutes.

During this phone call, we will be able to help you with ideas to control your flood insurance cost.

For the future and secure coverage that will be there when you need it.

What do you have to lose? Call us today and find out how we can save you money. 1-866-990-7482

Residential flood insurance, commercial flood insurance, Condo flood insurance, RCBAP, Master flood policies, excess flood insurance.

Better Flood Insurance is an independent Flood Insurance agency that specializes in flood insurance ONLY. We know all the In’s and outs of flood insurance. We know what your lender will require and how to make sure your loan closing happens on your time and isn’t delayed due to incompetent agents.

Yes Please shop for my flood insurance

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Why Private FloodInsurance VS NFIP?

Although we know how to navigate the National Flood Insurance Program and are experts in the government’s complicated policies.

We have found that by shopping all flood insurance options.

The NFIP and the Private flood insurance we can see the true cost of flood insurance for your properties unique needs.

Your property is one of the biggest investment you will make in your lifetime.

Unless you shop around for flood insurance you might be paying more for inferior coverage then you need to.

If you have had a private flood policy for a while it would be good to see if you can get coverage for less.

Your property needs to be as protected in the event of flooding but your pocketbook should be equally considered.

There are numerous benefits to working with a Flood Insurance Expert to ensure you are getting the best coverage at the best price.

A flood Insurance Expert will save you a lot of time and money.

It can be difficult to understand the differences between Private flood insurance, Lloyds of London Flood Insurance, National Flood Insurance Program, FEMA and a few others.

Flood Nerds just need to review your property and history then our experts will come back with a solution that best fits your needs.

With a clear vision of the flood insurance options, you won’t have to question if you are getting the best price because you will be through us.

You need a flood insurance expert to guide you through the purchase of flood insurance.

NFIP vs Private

Cost of flood insurance.

The Private flood insurance market is growing and there is more than just one private flood insurance company.

We have more than a handful of prequalified private flood insurance companies.

Any option we find for you will offer the best coverage and fair price.

Cost of flood insurance

Yes Please shop for my flood insurance

Private flood insurance policies tend to be 20 – 50% savings over the government option.

How can Private flood insurance be so much cheaper?

Every private flood insurance company has different underwriting practices, technology, and appetite for covering a property’s risk.

Are using advanced flood zone risk maps.

Computer modeling technology makes their guestimate of your properties real risk better than it has ever been in the past.

Private flood insurance premiums are what we coined “fair market” flood insurance premiums.

We make buying flood simple.

Let us help you with your flood insurance requirements.

We will help you truly understand when and why flood insurance is required by your lender. 

Know your true risk of flooding.

 We offer options that work for your property and save money on flood insurance.

Private Flood Insurance

Lloyds of London Flood Insurance

Yes Please shop for my flood insurance

We will help you control the cost of flood insurance moving forward.  Try out the flood insurance calculator (above), then let us get your flood insurance quotes.

We have a Flood Nerd waiting to help you.

Our pledge to find you better flood insurance coverage, save you money and to make this subject a little fun.


Better ways to reduce your flood insurance cost

  1. Start with a google search for “Lloyds of London Flood insurance”

  2. Do a google search for “Private flood insurance”

  3. Work with a flood insurance expert search “Flood Nerd”

  4. If your home a new flood map you if you buy a policy within 9 months of the map change you will get a heavily subsidized policy.

  5. If you are buying a home that needs flood insurance ask to see the seller Declaration page they might be getting a subsidized policy and a flood insurance expert can get you that same rate.

  6. Sometimes an Elevation Certificate can help.

  7. Sometimes adding flood vents can help.

  8. Flood Nerds can help you come up with strategies for your future

Yes Please shop for my flood insurance

How to get cheaper flood insurance with the private flood insurance market.

Just because your policy is with the private market flood insurance, it doesn’t necessarily mean that it is cheaper then anything else out there.

The only way to truly see if you are getting the best premium is to have an expert shop your flood insurance.

Lloyds of London Flood insurance policies usually are cheaper than the NFIP but sometimes if you are working with a savvy flood nerd we can get the government policy for less.

Sometimes making an adjustment to your property can make your flood insurance cheaper with the NFIP  talk to a flood nerd about your options.

  1. Elevating Machinery or equipment above the base flood elevation (BFE).
    BFE is how high the government says the floodwaters will go in the event of flooding.
    When these items are below the BFE, you might be getting surcharged on your flood insurance premium.

  2. If you home is elevated either over a garage, enclosure or crawlspace. You might want to consider adding flood vents. These will allow us to take the lowest flood out of the flood insurance rating consideration. The trick to adding vents is that the square inches of the hole need to be equal to or ideally more than the square feet of the area you are venting.  There are engineered flood vents that can be smaller openings but let more water past.

  3. Although this doesn’t affect flood insurance rates. You should consider flood damage-resistant materials, elevating machinery and other techniques that can keep your home safer.

  4. In extream cases, you might want to reconsider the location of your property. Elevating your building, in some cases, you might be able to get access to government grants. If your home can’t be elevated then check out this link to see if this is an option for you.

  5. Elevating your home 3 feet above the BFE can save up to sixty percent or more on your annual flood insurance premium. If you are 1 foot above the BFE it would save thirty percent. Here is a great resource to see if this option would work for you.

  6. Sometimes your community can do some FEMA flood mitigation that will allow you to get community discounts. See if your community has discounts here.

Even though flood insurance can sometimes be expensive not having any coverage is far too risky. The average damage that is caused by a flood can be north of $35,000.

I only know two people in my circle of friends that have that kind of cash. Don’t let your financial future be washed away in the next flood. Get covered to stay safe. Even areas that are considered low risk are flooding.

Scary flooding

Yes Please shop for my flood insurance