NFIP vs. Private Flood Insurance
There are two main types of flood insurance: the federal government's NFIP program and private flood insurance. Each has trade-offs — the right choice depends on your property, your coverage needs, and what's available in your area.
When NFIP makes sense
- ✓ Your lender requires NFIP specifically
- ✓ Private flood isn't available in your area
- ✓ Your coverage needs are $250K or under
- ✓ You want a government-backed program
When private flood makes sense
- ✓ You need coverage above NFIP limits
- ✓ You need coverage fast (shorter wait)
- ✓ You want living expense coverage
- ✓ Private rates are more competitive for your risk
We shop both — you get the best fit
As an independent agent, we're not tied to one carrier or one program. When you request a quote, we compare NFIP and private flood options side by side for your specific property. You'll see what's available, what it covers, and what it costs — then decide.
In many cases, the answer isn't obvious without running the numbers. High-risk properties sometimes get better rates from private carriers; lower-risk properties sometimes find NFIP more affordable. The only way to know is to compare.
See your options side by side
Takes about 2 minutes. A licensed agent will compare NFIP and private options for your property.