Forced to Buy Flood Insurance?
Let’s Get It Over With.
Don’t want it. Can’t skip it.
Real policy. Lowest price. No B.S.
We’re the Flood Nerds. We’ve been doing this for 10+ years. We’re insanely good at it.
But honestly? You probably don’t care. You just want a quote so you can move on with your life.
Cool — let’s do that.
$2.3M+ SAVED
by outshopping FEMA and fixing other agent screwups
4.9/5 ★ AVERAGE
apparently people like saving money the right way
463+ REVIEWS
we’re not new at this
5,497+ HELPED
people forced to buy flood insurance… left smiling anyway
featured on
You Don’t Want Flood Insurance.
But You’re Here. So Let’s Talk Real Numbers.
Let’s be honest — nobody’s shopping for flood insurance because it’s fun.
You’re here because:
Your mortgage company says you need it
The quote you got was insane
Your agent doesn’t know what they’re doing
Or FEMA is trying to retire off your premiums
And now you’re trying to figure out if there’s a cheaper way to do this without getting screwed when it floods.
Cool. That’s where we come in.
We’re the Flood Nerds.
We’ve been in this game for 10+ years. And here’s what we’ve seen:
📊 The Hard Truth (a.k.a. the scoreboard):
$2.3M+ saved for homeowners, landlords, and buyers — mostly by fixing overpriced government policies
5,497+ clients helped (many who thought their FEMA policy was the only option — it wasn’t)
4.9★ average from 463+ reviews — because we make this easier and cheaper
40+ carriers shopped every single time
4 exclusive private flood options that most agents don’t even know exist
And here’s the kicker…
In a lot of cases, private flood policies can be up to 50% cheaper than FEMA’s.
But sometimes, FEMA’s still the better deal — and we’ll tell you when it is.
Because unlike most agents, we’re not guessing.
We’re not just slapping a quote on your inbox and hoping it works out.
We shop the entire market — including exclusive options only we can offer — and show you what actually makes sense.
We’re not here to scare you or play games.
You’re smarter than that — and we respect it.
Our job? Get you strong coverage, fast, at the best price. Period.
They Came for a Quote. They Stayed Because We Actually Did the Job Right.
“Saved me hundreds.” — Liz, MA 445+ people can’t all be wrong.
Here’s How We Actually Save You Money
(No Magic. Just Work Nerds Love Doing.)
We don’t find you cheap flood insurance by crossing our fingers or slapping your info into some quote form and hoping for the best.
We do it by:
Shopping 40+ private flood insurance carriers (most agents check… maybe two)
Comparing every quote to FEMA’s (NFIP) policy — sometimes, the government option is actually better
Leveraging exclusive plans only we can offer — 4 of which no other agents can touch
Fixing messes left behind by regular agents who mean well… but don’t really know flood
And, yeah — by caring more than most people do about a policy you don’t even want
Sometimes that means a killer private plan.
Other times, it means knowing how to get the best FEMA rate (yes, that’s possible too).
We’ve seen homeowners quoted $3,200 for policies we got down to $800 — same property, better coverage, just smarter shopping.
For 50 years, people have been told, “There’s only one flood insurance option — the government.”
That hasn’t been true in a long time.
But agents keep pushing that line, either because they don’t know what’s changed… or they don’t care enough to look.
We’ve seen policies written with the wrong risk rating, zip code, or property type.
And we fix that stuff — every single day.
So no, this isn’t about “finding a good deal.”
It’s about getting the right deal, for the right property, with the right coverage — without overpaying like most people do
The result?
In many cases, we cut people’s premiums by 25–50% — without cutting corners.
So Here’s What Happens When You Ask Us to Shop Your Policy
We don’t send your info into a black hole.
We don’t “get back to you in 3-5 business days.”
We don’t quote the same tired policy every agent uses.
We do this instead:
🛠️ The Flood Nerd Process
(Simple, fast, human)
Step 1: You fill out the quote form — yes, we ask more questions than you want. That’s why our quotes are more accurate.
Step 2: A real human (not a bot) reviews your property, flood zone, and policy history.
Step 3: We shop 40+ private carriers, including 4 exclusive plans only available through us.
Step 4: We compare that to the NFIP (FEMA) rate — sometimes it wins. If it does, we’ll tell you.
Step 5: You get the best legit option, fast — and we’re here if you have questions before you buy.
That’s it.
No sales scripts. No pressure. Just a process that works because we do the thing no one else does:
We actually give a damn.
Bonus Note
If your lender needs documentation fast, we can help with that too. We know how to keep closings on track — and flood insurance out of the way.
There’s More Than One Option. You Just Haven’t Been Told That.
Most people don’t realize there’s a strong private flood insurance market out there.
And that’s not their fault — it’s because for decades, FEMA’s NFIP had the whole game on lockdown. No competition means no incentive to keep costs low.
Eventually, when the government opened the door, the big brands jumped in.
But instead of building real alternatives, companies like Allstate, Progressive, and State Farm just slapped their logo on the same old NFIP policy.
No new pricing. No new coverage. Just a shinier envelope.
That’s not private flood insurance. That’s marketing.
We Know the Real Private Market
At Better Flood, we work with the real stuff — the actual private flood insurance providers that underwrite their own policies.
We shop over 40+ of them. And yes, that includes trusted syndicates from Lloyd’s of London.
Most agents don’t touch that level. We do — because it’s how we consistently save people 20–50% over what they were about to overpay.
But Sometimes, FEMA’s Still the Right Call
We’ll also price out the NFIP for you. Because sometimes? It actually is the better deal.
This isn’t about selling you one side or the other.
It’s about knowing when to go private, when to go government, and when to hit the brakes.
If you want the breakdown, we wrote a whole comparison here:
👉 NFIP vs Private Flood Insurance
Flood Nerds = Relentless Shoppers (By Choice)
You could spend hours trying to compare flood policies across dozens of carriers.
Or… you could let a nerd do it. We like this stuff. We live for it.
When we find someone a policy that cuts their premium in half — with better coverage?
Let’s just say we celebrate like we just found a secret level in Mario Kart.
NFIP vs Private Flood Insurance
Let’s Cut the Crap.
If you’re still reading this… wow.
You actually care about your coverage.
We’re seriously glad you do — most people don’t go this deep.
Anyway — here’s the real breakdown between FEMA’s National Flood Insurance Program (NFIP) and the private flood insurance market:
We do this instead:
🏛️ NFIP (aka FEMA)
Run by the federal government since 1974 — they’ve had the monopoly for half a century
Coverage caps at $250K for buildings, $100K for contents
Rates based on old maps + outdated risk models
Claims can take 90+ days to process — but we have ways to speed that up (yes, even on government policies)
Often overpriced in low-risk zones — and we know how to fix that too
Still, sometimes it’s the best option — and we know how to get the absolute best version of it
Already with the NFIP and it’s your best price? Good. Let us take over the policy — we’ll get you faster claims, better servicing, and fewer headaches, even if you stay with FEMA.
Private Flood Insurance
Backed by private carriers using smarter underwriting + real tech
Higher limits, more flexibility, faster claims
Includes 4 exclusive plans only we offer
Usually 20–50% cheaper
But it’s not always better — especially if it was placed by someone else.
There are private policies out there with rock-bottom coverage that look cheap… until you need them.
Most agents don’t know what they’re placing — and if the price seems too good, there’s usually a reason.
Bottom Line:
We shop both.
We know how to work the NFIP system better than most agents even understand it.
And we know exactly when to go private, when to stay FEMA, and when to switch.
You don’t need to figure it out.
We already did.
Can you find a cheaper flood policy?
Maybe.
But if that policy falls apart when you actually need it, that $300 you “saved” won’t mean a thing when your basement’s underwater and your claim payment is very low.
We only offer strong coverage — the kind that pays out.
If you’re just chasing the lowest number, someone out there will always beat it.
But they won’t beat us on quality, accuracy, or knowing how to do this right.
Let’s just get this over with.
√ Let’s just get this over with.
√ Get your quote.
√ Cross it off your list.
√ Move on with your life.
The Flood Nerd Advantage
10+ years focused solely on flood insurance (we don’t dabble)
A real human team that actually shops 40+ carriers for you
4 exclusive plans no other agent can access
We help fix bad policies, underwritten wrong
We’ll even make FEMA work harder for you
And yeah — we kinda love this stuff
You need flood insurance.
You don’t want to think about it.
We make sure you get the right coverage — fast, simple, and solid.
You’ve made it this far. Let’s finish it.
(No pressure. No B.S. Just the best damn price we can find.)
