Top Rated Local expert in California flood insurance and “Flood Nerds”.

Hello, I’m Robert Murphy and I would love to help you with shopping for your flood insurance options there are more out there then you think and more coming too.

If you have to purchase flood insurance in Californa and think you might be paying too much let us shop for a better flood policy. CALIFORNIA FLOOD INSURANCE
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.

Better Flood Insurance is the Best California Flood Insurance Agency you will find period.

We’ve always prided ourselves on being more than just insurance agency. We are a Flood Insurance Only Firm.
We make buying a new home in California that needs flood insurance possibility. Residential flood insurance, commercial flood insurance, Condo flood insurance, RCBAP, Master flood policies, excess flood insurance. We are here to do all the shopping for you. Let us give you the same quality and a proven blueprint that we have used to help thousands.

There are many options out there and more to come, you don’t have time to be an expert to make sure you are getting the best coverage you can at the best price. WE DO!

Better Flood Insurance is an independent Flood Insurance agency that specializes in California and ONLY in flood insurance. 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 is not delayed due to incompetent people who don’t know flood.

We will discover which is better for you a private flood insurance policy vs NFIP.

We shop all Lloyds of London Flood Insurance options in Californa. If you take anything away from visiting this site know that there are more then just one option like some other” paid ads” might have you believe. We make it buying flood insurance simple.
Let us help you with your flood insurance requirements and help you truly understand when flood insurance is required by your lender and when it is not, know your true risk of flooding and offer options that work for your property and save money on flood insurance.
We will help you control the cost of flood insurance in Californa. Try out the flood insurance calculator (above), then let us get your flood insurance quotes. We have a Flood Nerd waiting to shop NFIP and prequalified private flood insurance companies list. Our pledge to find you better flood insurance coverage, save you money and you might even hear a corny joke.

Flood Insurance in California: Do You Need Coverage?

The State of California doesn’t mandate that property owners have flood insurance, however many mortgage lenders require flood insurance coverage to get a loan if your property is located in one of Californians many high-risk flood zone map. (Check out this link to see if your is) 
The cost of California flood insurance varies on different factors. However, where your property is located in the high-risk government flood zone maps it does play a big factor in the premium. Other factors include the amount of coverage, the deductible, the age of the home, occupancy, the type of building, whether or not you can get an NFIP subsidized policy, get the policy grandfathered or if you let us shop the growing number of private flood insurance companies in California including many California Lloyds of London Flood Insurance companies.

There are really two types of California Flood Insurance – The NFIP and The Private Flood Market

The National Flood Insurance Program (NFIP) has had a 50-year monopoly on flood insurance and just recently the federal government broke it up with BW-12 and one of your California representatives was the driving force behind this change. Maxing Waters (the “W” in B”W”-12). One of the main things this legislation did was allow competition to come into the flood insurance market through the Private flood insurance market. Lloyds of London Flood Insurance is an example of one of the options however it is good to note that there are many Lloyds of London flood insurance options.

How Much Does It Cost in California?

Ok now let’s get to what you want. Let’s say for all purpose of education we are going to use the cost of flood insurance on just the Building at the maximum $250,000 residental building.
On average the cost of California Flood insurance is around $793 annually.
However, if your property is in a low to moderate California flood zone map we are seeing annual premiums of $450 for your primary residence and $750 for a second home or investment property. These are usually identified as an X flood zone map
In a higher-risk flood zone map (A or V) this is where the premiums are getting downright ridiculous on the NFIP program we are seeing California flood insurance at $1,500 – $5,500. In this case, we would suggest that you look into a private flood insurance market option.
Coverage $100,000 $150,000 $200,000 $250,000
FEMA* $938 $1103 $1366 $1529
BETTER* $434 $605 $770 $930
Your Savings $504 $507 $596 $599
In California flood insruance for private flood maket we
What is are the positives
Coverage $100,000 $150,000 $200,000 $250,000
FEMA* $938 $1103 $1366 $1529
BETTER* $434 $605 $770 $930
Your Savings $504 $507 $596 $599