Flood Insurance

We review the best flood insurance providers helping you find the ideal service to suit your needs. Whether you’re looking for a service with low rates, big discounts, or pay-in-full insurance, we’ll help you find the ideal flood insurance that will suit your needs.

If you are living on the coast and you are financing your home, you are probably required to have flood insurance. With climate change and rising sea levels, even homeowners who are in a moderate risk of flood zones should also consider getting flood insurance.

Here is a quick guide to help you find the best flood insurance which will suit your needs.

Why Should I Get Flood Insurance?

It may seem that natural disasters are the only cause of the flood, but it is not. Flooding can come from just about anywhere. This is why a lot of us are asking the same question: Should I really get flood insurance?

The answer is of course, yes, you should get flood insurance. You may never be able to remove the risk of flooding, but you can take measures to reduce the risk – both physically and financially. You might want to talk to your local insurance agent to discuss and see if flood insurance is the right fit for you.

Are You At a Flood-Risk Zone?

It’s a common misconception that low-risk flood areas are areas with  no risk at all – flood maps change over time so an area that used to be low risk before may become a high risk at some point. Different factors affect risk zone levels – local dam improvements and changing weather patterns are some of the things that can contribute to a flood risk zone changing over time.

But how would you know the current risk level of your community? You can get updated flood maps from FEMA, a federal government agency. They update the flood maps yearly through both in-house studies and community-initiated map revisions.

Types of Flood Insurance

There are two types of flood insurance. The first one is available through FEMA, and the second one is available through private insurance companies. Both insurance types have different coverage options and costs.

NFIP

The National Flood Insurance Program (NFIP) provides its flood insurance through FEMA. If your community is one of the 21,000 communities that are included in the program, then you should be eligible for both types of NFIP coverage, the building property and personal property.

Building property coverage is a replacement cost value coverage which means that it covers how much it would cost to repair or replace your home up to $250,000. While the personal property (contents) coverage returns up to $100,000 in items, and it also includes depreciation value. For example, you paid $2,000 for that television four years ago, personal property coverage would pay for what it would be worth today rather than what you have paid for it originally or how much it would cost to replace it.

Private Flood Insurance

There are limited numbers of insurance companies that offer private flood insurance that is not funded through the federal government. The reason for this is that private flood insurance policies vary by the insurance companies that provide them. The best thing to do is to ask your insurance agent to give you a quote on NFIP and a quote for private flood insurance and see which one will cover you in various situations.

Top 10 Flood insurance and Flood insurance websites as ranked by people like you

The Community ranked the best Flood insurance websites so that you can find what you need. Help improve the ranking by voting too.

Last updated: 2023-03-27

Rank

Provider

Description & Features

Site

1

160

The National Flood Insurance Program | FEMA.gov
The National Flood Insurance Program | FEMA.gov
The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners, renters and businesses and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and ...

2

148

Flood Insurance - Get An Online Quote | GEICO
Flood Insurance - Get An Online Quote | GEICO
Protect Your Investment With Flood Insurance. Federal law requires some locations that typically flood to have flood insurance, which isn't covered by most homeowner's policies. Keep your head above water with GEICO's flood insurance, backed by the federal government with rates specifically tailored to your area.

3

137

FloodSmart | The National Flood Insurance Program
FloodSmart | The National Flood Insurance Program
FloodSmart.gov is the official website of the National Flood Insurance Program (NFIP). FEMA | National Flood Insurance Program 500 C St SW , Washington , D.C. 20472

4

127

Flood Insurance | Progressive
Flood Insurance | Progressive
Give your home more protection, so you have peace-of-mind. For many homeowners, flood insurance is an essential extra layer of protection. Adding flood insurance to your insurance package means you're covered if groundwater rises and floods your home—a situation that isn't usually covered by home policies.

5

118

Flood Insurance - State Farm®
Flood Insurance - State Farm®
Most flood insurance is written through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA).. A flood insurance policy normally takes 30 days from the date of purchase to go into effect. So don't wait until a flood is imminent to buy a policy.

6

109

6 Myths About Flood Insurance | Bankrate.com
6 Myths About Flood Insurance | Bankrate.com
2. Flood insurance is just for high-risk areas. Merle Scheiber’s dream home wasn’t in a flood plain, and he didn’t have flood insurance. Just after completing a three-year renovation project ...

7

101

Flood Insurance | Allstate Insurance
Flood Insurance | Allstate Insurance
Excess Flood Insurance coverage may currently be available in your state. In order to qualify for an Excess Flood Insurance Policy, you first need to purchase a National Flood Insurance Policy through Allstate. Excess Flood Insurance is provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company.

8

93

Average Cost of Flood Insurance 2019 - ValuePenguin
Average Cost of Flood Insurance 2019 - ValuePenguin
Average Cost of Flood Insurance by State. Homeowners and renters insurance companies in every state offer flood insurance coverage from the NFIP, which is managed by the Federal Emergency Management Agency (FEMA). We found the average annual premiums for flood insurance vary up to $844 between states.

9

87

An Insurance Company For Your Car And More | GEICO
An Insurance Company For Your Car And More | GEICO
Get fast, free insurance quotes today. Find affordable insurance coverage for your car, motorcycle, and much more. GEICO has been trusted since 1936.

10

80

Progressive: Ranked One Of The Best Insurance Companies
Progressive: Ranked One Of The Best Insurance Companies
Progressive is one of the best insurance companies. Over 18 million people trust Progressive to insure something they love such as their car, boat, house, motorcycle, etc. That's no surprise because we're the third largest auto insurer and the #1 motorcycle/specialty RV insurer. ‡ Get insurance for almost anything you need

Flood insurance videos considered

We analyzed 1,548 hours of the most informative Flood insurance videos. These videos stood out the most:

Local Flood insurance near you

Gotham Brokerage

75 Maiden Ln, Ste 804

Muller Insurance

930 Washington St, Hoboken, NJ 07030

EK Insurance

99 Wall St, Ste 1234

Allstate Insurance: Kelly Qu Agency

50 E 42nd St, Ste 513

Three Star Brokerage

221 Kings Hwy, Brooklyn, NY 11223

Allegiance Financial Group

118-35 Queens Blvd, Ste 400

Diamante Insurance

2819 Avenue U, Brooklyn, NY 11229

New Hampshire Insurance

80 Pine St, New York, NY 10005

Walter O. Rogers Insurance Services

55 Christina St, Little Ferry, NJ 07643

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This comparison site is made up of our own opinions and views. The ranking is determined at our discretion and is not to be used for accuracy purposes. We can provide this service at no charges thanks to a combination of referral fees and advertising income we receive from various publishers and service providers. These payments may affect our rankings and the score we assign to websites, products, and vendors. Our ratings do not imply endorsement of any kind. This website's information, rankings, and vendor list is subject to change without notice at any time.