Real FEMA and NFIP data, address by address

Flood Risk.
Explained Clearly.

Understand your property's real flood exposure. Compare NFIP and private options side by side. Get the right coverage without confusion or pressure.

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Nationwide coverage
Every number sourced to FEMA
A licensed, independent insurance agent replies
See Your Flood Zone in Seconds

Example: 123 Main St, Clearwater, FL 33755

Told you need flood insurance? You still choose who writes it.

Enter your address. A licensed, independent insurance agent replies with the NFIP and private options within one business day.

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No thanks, I like overpaying.

Checked against FEMA’s flood map for that exact spot.

Nearly 1 in 3
of NFIP flood claims, 2014 to 2024, came from outside high-risk zones
30 days
NFIP waiting period, waived when the policy is tied to a loan
$250,000
NFIP maximum building coverage on a home
$0
what a standard homeowners policy pays for flood damage

Source: FEMA, FloodSmart.gov. Program facts checked July 2026.

Why ShoutFlood

What do you get when you check your address?

We built ShoutFlood to make flood insurance simple, transparent, and fair.

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NFIP and Private, Side by Side

A licensed, independent insurance agent prices both for your building. You see what each one costs and covers. Then you decide.

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A Reply Within One Business Day

Send your address once. A licensed, independent insurance agent replies within one business day with the options priced for that building.

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Required by Your Lender? You Still Choose.

A federally regulated lender must accept a qualifying private flood policy. You pick who writes it. We show the NFIP and private options side by side.

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Checked Against Your Lender's Letter

A licensed, independent insurance agent reads your lender's letter and checks the policy against it before you buy.

How It Works

Three steps to better coverage

No paperwork maze. No call center runaround. Just answers.

1

Check Your Address

Type the property address into the form above. You get the FEMA flood zone for that spot and whether it is a high-risk zone. About a minute, no account, no fee.

2

Tell Us About the Building

If you want the options priced, add a few details and a way to reach you. The zone decides the requirement. The building decides the price.

3

A Licensed, Independent Agent Replies

A licensed, independent insurance agent replies with the NFIP and private options side by side, what each one costs and what each one covers. You decide.

Flood Insurance 101

What is flood insurance, actually?

Most homeowners policies do not cover flood damage. Flood insurance is a separate policy designed specifically for water that comes from the ground up, not from the sky down.

A flood is an excess of water on land that is normally dry, affecting two or more acres or two or more properties. That includes river overflow, coastal storm surge, heavy rainfall runoff, dam or levee failure, and rapid snowmelt. A sewer backup counts if it is a direct result of flooding.

Flood insurance covers direct physical losses to your structure and belongings from that water. You can buy it through the NFIP (the federal program) or from a private carrier. Both count as flood insurance and both satisfy lender requirements.

Two kinds of coverage. Building coverage protects the structure itself, foundation, walls, electrical, plumbing, HVAC, and built-in appliances. Contents coverage protects your personal belongings. You choose limits for each.

What does my policy cover? Is my address in a high-risk zone? How to file a claim Flood zones and maps Lender requirements NFIP vs. private
Know Your Risk

Nearly 1 in 3 flood claims came from outside high-risk zones. Is your home one of them?

Flooding happens where it rains, which is almost everywhere. The question is not whether your property has flood risk, but how much and what to do about it.

Every property carries some level of flood risk. FEMA categorizes properties as high, moderate, or low risk, but those categories describe statistical averages, not guarantees. Flash floods, hurricane storm surge, sewer backups, and unusually heavy rainfall can hit properties that have never flooded before.

The only way to know your real exposure is to look up your address on the FEMA flood map and combine it with local knowledge: your elevation, your drainage, your neighborhood's history. That is exactly what ShoutFlood helps you do, at the county and city level, for every state.

The headline. If you own property in the United States, you have flood exposure. The question is whether you are covered for it.

Nearly 1 in 3
of NFIP flood claims, 2014 to 2024, came from outside high-risk zones (FEMA)
30 days
NFIP waiting period, waived when the policy is tied to a loan
$250,000
NFIP maximum building coverage on a home
$0
most homeowners policies pay for flood damage
Why It Matters

Four reasons flood insurance matters

Even if you are not required to carry it, flood insurance is often the difference between recovery and financial devastation.

01

Homeowners insurance does not cover floods

Standard homeowners policies exclude flood damage. If you want protection, you need a separate flood policy.

02

Nearly 1 in 3 claims come from outside high-risk zones

FEMA says nearly one-third of NFIP flood claims from 2014 to 2024 came from properties outside high-risk flood areas. The map says you are fine. The weather disagrees.

03

Your lender may require it

If your property is in a FEMA special flood hazard area and you have a federally backed mortgage, your lender can force you to carry coverage. Getting ahead of that requirement means better rates and better options.

04

Peace of mind is the real product

Flooding is the most common and most expensive natural disaster in the United States. Coverage is the difference between rebuilding and refinancing your life. That peace of mind is worth the premium.

Be Prepared

Four steps to protect your property

Preparation is not complicated. It is a short checklist. Here it is.

01

Understand your risk

Look up your address. Know your flood zone, your elevation, and your local history. ShoutFlood shows you all three in one place.

02

Get the right coverage

Compare NFIP and private options side by side. Match your limits to your actual rebuild cost and personal property value, not some default number.

03

Prepare your home and documents

Elevate utilities, install flood vents, photograph your belongings, store policies and IDs digitally. Small moves, big payoff when it matters.

04

Know how to file a claim

Know who to call, what to photograph and what to keep before you need to.

Nationwide Coverage

Which state is your home in?

Click your state to explore local flood zones, county rates, and coverage options.

Loading interactive map...

Select a state to see local flood insurance info

Check my address →

No thanks, I like overpaying.

Checked against FEMA’s flood map for that exact spot.

Help Center

What do AE, X and BFE mean on your flood map?

The jargon everyone uses and almost no one explains. Bookmark this.

Flood Zone
FEMA's geographic classification of flood risk for a specific area. Zones like AE and VE are high risk; X is low to moderate; D means undetermined. The zone decides whether a lender requires a policy. The building decides the price.
Base Flood ElevationBFE
The computed elevation to which floodwater is anticipated to rise during a base flood (the one percent annual chance flood). If your lowest floor sits below BFE, your rate climbs.
Special Flood Hazard AreaSFHA
Any land area subject to flooding during a one percent annual chance flood event. If your property sits inside an SFHA and you have a federally backed mortgage, flood insurance is typically required.
Elevation CertificateEC
An official FEMA form completed by a licensed surveyor that documents your building's elevation relative to the BFE. It can dramatically lower your NFIP premium if your building is above BFE.
Letter of Map AmendmentLOMA
An official FEMA determination that a specific property has been incorrectly included in a high-risk zone. A successful LOMA can remove a mandatory flood insurance requirement.
Letter of Map RevisionLOMR
An official revision to the FEMA flood map itself, usually triggered by new survey data, levee construction, or physical changes to the terrain. Can reclassify entire neighborhoods.
National Flood Insurance ProgramNFIP
The federal flood insurance program administered by FEMA. It offers standardized coverage with caps at $250,000 for buildings and $100,000 for contents on residential policies.
Private Flood Insurance
Flood coverage from a non-government carrier. Often offers higher limits, broader coverage (including loss of use, temporary housing, basement contents), and competitive pricing compared to NFIP.
Preferred Risk PolicyPRP
PRPs ended with Risk Rating 2.0. A Zone X home is now priced on the building like every other.
Replacement Cost ValueRCV
The cost to rebuild or replace damaged property with new materials of like kind and quality, without deducting for depreciation. Your building coverage should reflect RCV, not market value.
Actual Cash ValueACV
The depreciated value of your property at the time of the loss. Contents coverage under NFIP is typically paid on an ACV basis unless otherwise specified.
Floodway
The channel of a river or stream, plus adjacent land that must be kept clear so floodwaters can pass without significantly raising water levels. Building inside a floodway is heavily restricted.
Check my address →

No thanks, I like overpaying.

Checked against FEMA’s flood map for that exact spot.

Common Questions

Will a private flood policy satisfy your lender?

Reviewed by Matt Williams, licensed Florida insurance agent (2-20 General Lines). Last reviewed October 29, 2026.

Yes. All major lenders accept private flood insurance under federal guidelines. A licensed, independent insurance agent checks the policy against your lender's letter before you buy.
A licensed, independent insurance agent replies within one business day with the NFIP and private options for the building, what each one costs and what each one covers.
Always. You see what each one costs and covers, side by side, and you decide.
High-risk does not mean no options. The zone decides whether your lender requires a policy. The building decides the price. A licensed, independent insurance agent prices NFIP and private options for the building you have.
Often, yes. A licensed, independent insurance agent lines up the new policy's start date with the old one's end date so there is no gap in coverage.

Told you need flood insurance? Check your options first.

Your lender set the requirement. Nobody set the price. Enter your address and a licensed, independent insurance agent replies with the NFIP and private options for that property.

Check my address →

No thanks, I like overpaying.

Checked against FEMA’s flood map for that exact spot.

P.S. What happens if you do nothing?

This page in three lines:

  1. Your flood zone decides if your lender requires flood insurance.
  2. Your building decides the price, not the zone.
  3. Check your address to see your flood zone and what your lender can require.

If you check your address

You see your flood zone in seconds. Send your address and a licensed, independent insurance agent replies with the NFIP and private options for that property. The choice stays with you.

If you do nothing

After your lender's notice, you have 45 days. Then the lender must buy a flood policy for you and bill you for it. The bill can include the time your own coverage had lapsed. Federal law sets no price for that policy, and you do not get to shop it.

Waiting costs time too. A new NFIP policy usually takes 30 days to start. There is no wait when you buy it as part of getting, refinancing, increasing, extending or renewing a loan on the home.

Check my address →

No thanks, I like overpaying.

Checked against FEMA’s flood map for that exact spot.

Sources: 12 CFR 22.7 and 42 U.S.C. 4012a(e) (force-placed flood insurance, the 45 days), read October 26, 2026; 44 CFR 61.11 (NFIP waiting period and the loan exception), read October 25, 2026.

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