Understand your property's real flood exposure. Compare NFIP and private options side by side. Get the right coverage without confusion or pressure.
We built ShoutFlood to make flood insurance simple, transparent, and fair.
We shop the entire market, private carriers and NFIP, so you see every option side by side.
Submit your info once. We handle the rest and deliver a custom comparison within one business day.
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.
Every policy we place meets or exceeds lender requirements. No surprises at closing.
No paperwork maze. No call center runaround. Just answers.
Share your address and a few details. It takes about 60 seconds. We handle the rest.
We compare private flood carriers and the NFIP to find your best rate and coverage match.
Review your custom comparison side by side. Choose what works. We bind the policy.
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.
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.
Enter your address. A licensed, independent insurance agent replies with the NFIP and private options within one business day.
Even if you are not required to carry it, flood insurance is often the difference between recovery and financial devastation.
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.
FEMA reports that more than 40% of NFIP flood insurance claims come from properties outside high-risk flood areas. The map says you are fine. The weather disagrees.
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.
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.
Preparation is not complicated. It is a short checklist that most homeowners have never actually completed.
Look up your address. Know your flood zone, your elevation, and your local history. ShoutFlood shows you all three in one place.
Compare NFIP and private options side by side. Match your limits to your actual rebuild cost and personal property value, not some default number.
Elevate utilities, install flood vents, photograph your belongings, store policies and IDs digitally. Small moves, big payoff when it matters.
After a flood, the homeowners who recover fastest are the ones who already know who to call, what to photograph, and what to document.
Click your state to explore local flood zones, county rates, and coverage options.
Select a state to see local flood insurance info
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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.
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