FLOOD NERDS will do the Flood Insurance Shopping for you.

We are experts in Flood insurance, it’s all we do.  

We can and sometimes write NFIP or government policies when it makes sense for our clients but we also will shop all the private flood insurance options in your area.

This helps us to GUARANTEE we will find the best coverage at the best price. Often the private flood insurance is cheaper than the government option.


Private Flood Insurance is an alternative to the federal government’s National Flood Insurance Program (NFIP). Flood insurance offered through BETTER flood, private flood Insurance options are all ‘A’ rated carriers. Meaning you will be getting a great policy and at a great price. 
Private flood Insurance market has been around since 2012 but really took hold in 2013 when the BW-12 Flood Insurance Reform Act was in effect at that time the private flood markets started now 7 years later the market is growing so if you got a private market flood insurance early on it might be time to shop for a better rate.

Private Flood Insurance usually DO NOT require an elevation certificate to rate.

Private Flood Insurance market is using some of the most advanced technology to asses the risk as well as rate properties true flood insurance cost.
Through this technology, millions of NFIP policies holders can now save significantly by finding a BETTER PRIVATE FLOOD INSURANCE policy. There are many options in the private flood insurance market and we are here to help you find the best flood insurance quote for your property.

Cheap Flood Insurance

Private Flood Insurance offers better and broader coverage than the one-size-fits-all NFIP policy and is often cheaper than the NFIP with better coverage. 

The NFIP was created in 1968 to help mitigate flood losses in the U.S. During this time there was a lack of research, risk mapping and private insurance companies that could handle a catastrophic event such as flooding. This created a monopoly for the NFIP which they have used to drive up premiums and reduce what the policy will cover. Private flood insurance policies are covering properties better and saving money while doing so.
Start Shopping Priave Flood Insurance options

Some Private flood Insurance policies will allow you to cover multiple structures on one policy saving on fees and taxes.

Imagine having only one document that covers all the properties you own. See if you can benefit from one of these private flood insurance policies.

Flood Insurance Quote

Private Flood Insurance Market can offer higher limits than the NFIP’s standard coverage of $250,000 for residential and $500,000 for commercial properties.

As property values continue to increase the cost of rebuilding has gone up as well this will affect your flood insurance quote.
If you have an NFIP policy that is maxed out at $250,000 and your property is worth way more in the past you had to buy Excess Flood coverage, Now with a private flood insurance policy, you can cover your property fully on one policy.

Private Flood Insurance can save up to 50% on the premium over the NFIP in certain situations. Making it Cheaper than the NFIP policy especially in the A and V flood zones. 

Since we shop all the private flood insurance options nationally we see a positive trend of major savings for homeowners and commercial property owners.
The private flood insurance policies savings can be significant on average we see $250 – $2,500 residential and unheard of savings on commercial properties.
If you are ready to let us shop to save you money we are awaiting your request. GET A FLOOD INSURANCE QUOTE


Private flood insurance does not penalize you as the NFIP policy will for having a second home or investment property.

We all want to create wealth for our family it is the American dream and most of us try the rental route by keeping our first home when we outgrow it.
If this property is in a flood zone then the NFIP policy automatically slaps on a $250 fee on top of the already high premium this is not fair. The private flood insurance market realizes that and will not charge you for trying to get ahead in life.

Private Flood Insurance is best for properties that are in A & V flood zone maps 

Private flood insurance is best for properties that are in high-risk flood zone maps such as (A & V flood zone maps).
If your property has never had a flood loss before and the NFIP policy you have or that your family agent is telling you is too much for your pocketbook you should allow us to shop your flood insurance since that is all we do if there is saving on the cost of flood insurance that you benefit from we will find it GUARANTEED.
Private Flood Insurance complies with the government and FEMA guidelines so your lenders will approve our policies.

Private Flood Insurance is lender approved and recommended. 

Our private flood insurance options meet all the requirement that your lender will be required to meet to close your loan.

And with the savings, we can help you as well as your team CLOSE THE LOAN.

We work fast and can issue a policy the same day we have payment making the process of buying a property that requires flood insurance simple and cost-effective.

Better Flood Insurance is a One Stop Shop we will shop through all the Private flood insurance option in your state. To get you a flood insurance quotes to compare coverages and save you money. 

<< Start shopping now

Flood Insurance Quotes – We shop for you.

Better Flood insurance offers multiple deductible options, and we have prequalified all private flood options that meet our high standards. Get a flood Insurance quote today.  
Private flood insurance can offer additional coverages such as Loss of Use for residential or Business Interruption for commercial.
Better Flood Insurance can promptly quote and bind coverage with a private flood insurance policy the same day (in most cases) and provide policy documents to make the experience as seamless as possible.
Better Flood insurance, private flood insurance policies can offer flexible payment options. 
Better Flood Insurance offers private flood insurance policies that can be an online purchase. 

We have policies that have been with us for 20 years. Check out our reviews. 

Call for a flood insurance quote today!


If you're in need of a flood insurance quote, call us today and we'd be happy to help!

If You Own A Business, A Private Flood Insurance Policy Is A Must!

As a business owner, you know that protecting your building and its contents is vital to its survival.
The sad fact is 77% of small businesses admit they are not prepared for a natural disaster… and floods are America’s #1 natural disaster.
Let us do the shopping for you.
Private Flood Insurance
Almost 40% of small businesses never reopen their doors following a disaster because just a few inches of water can cause tens of thousands of dollars in damage.
Let’s get you the Best Coverage and protect your asset and company with flood insurance coverage.
Commercial Private Flood Insurance Policies are rated individually based on a property’s location, year of construction, elevation, flood zone, number of stories, construction type, foundation type and loss history.
Contact us today for a private flood insurance quotes for your small business.
Generally, there is a 30 day waiting period before coverage begins if you use the National Flood Insurance Program provided by FEMA.
However, our private flood insurance options can offer waiting periods of 15 days or less. Don’t wait until it’s too late. Contact us now to see how inexpensive commercial flood
Please Shop Commercial Flood Insurance

Renter’s Flood Insurance
If you’re a renter, don’t worry because we’ve got flood insurance coverage for you too.

We’re can offer many flexible private flood insurance products

*Estimated annual premiums are for high-risk flood areas and do not include applicable state and local taxes or service fees. Coverages and billing options are subject to state availability, individual qualification and/or underwriting guidelines. Actual FEMA/NFIP premiums may vary slightly based on the construction and elevation of a particular property. Both Lloyd’ and NFIP  are subject to change.
Private flood insurance for Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming