The National Flood Insurance Authority

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.

Nationwide coverage
Trusted by homeowners in high-risk zones
Fast, accurate flood quotes
See Your Flood Zone in Seconds
5,000+
Homeowners
50
States
$800+
Avg. Savings
24hr
Quote Speed

Everything you need, nothing you don't

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

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Every Carrier Compared

We shop the entire market, private carriers and NFIP, so you see every option side by side.

Quotes in 24 Hours

Submit your info once. We handle the rest and deliver a custom comparison within one business day.

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Average $800+ Saved

Most homeowners switching from NFIP to private save hundreds. Some save thousands.

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Lender Approved

Every policy we place meets or exceeds lender requirements. No surprises at closing.

Three steps to better coverage

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

1

Tell Us About Your Property

Share your address and a few details. It takes about 60 seconds. We handle the rest.

2

We Shop Every Carrier

We compare private flood carriers and the NFIP to find your best rate and coverage match.

3

Pick Your Best Option

Review your custom comparison side by side. Choose what works. We bind the policy.

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.

Who is actually at risk? Most properties.

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.

1 in 3
NFIP claims come from outside high-risk zones
90%
of U.S. natural disasters involve flooding
$25K+
average flood claim payout
$0
most homeowners policies pay for flood damage

Stop guessing. See your flood exposure and your best rate.

Custom quotes from every major carrier in 24 hours. No phone tag unless you want one.

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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

This is the most common and most expensive misconception in real estate. Standard homeowners policies exclude flood damage. If you want protection, you need a separate flood policy.

02

One in three claims come from outside high-risk zones

Nearly a third of NFIP flood insurance claims come from properties in low or moderate risk 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.

Four steps to protect your property

Preparation is not complicated. It is a short checklist that most homeowners have never actually completed.

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

After a flood, the homeowners who recover fastest are the ones who already know who to call, what to photograph, and what to document.

Find flood insurance in your state

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

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Select a state to see local flood insurance info

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Key flood insurance terms

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. Your zone directly affects your rate.
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
A lower-cost NFIP policy available to properties in moderate to low risk flood zones (like Zone X). Often the most affordable way to carry flood insurance.
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.
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Flood insurance, demystified

Yes. All major lenders accept private flood insurance under federal guidelines. We make sure every policy we place meets or exceeds your lender's requirements, so there are no surprises at closing.
Most custom flood insurance quotes are delivered within 24 hours. You submit your info once and we handle the carrier shopping, comparison, and presentation.
Always. You see pricing, coverage limits, deductibles, and terms side by side, so you can make a confident decision with full transparency.
High-risk doesn't mean no options. We specialize in finding competitive coverage for properties in AE, VE, A, and other special flood hazard areas that others overlook.
Yes. We handle the entire transition so there's no gap in your coverage. It's seamless, and you could start saving immediately.

Stop overpaying for flood insurance

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