The government site shows you one policy. We get your flood insurance quotes from private carriers too, check your discount, and handle your lender.
Your zone, your ZIP’s real prices and your discount. Instantly.
The government policy and private flood carriers, side by side.
No form first. You get the FEMA flood zone for that spot and whether it is a high-risk zone. The zone decides whether a lender requires a policy.
FEMA keeps claims private by address. In Florida, the seller has to tell you. Since October 1, 2024, Florida sellers must give the buyer a flood disclosure at or before signing the sales contract.
First floor height, foundation, use and stories. These facts set the price, not the zone. Ask the seller for an elevation certificate if one exists.
A licensed, independent insurance agent prices both on the same building facts. You see what each one costs and covers. Then you decide.
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.
Lender, closing date, paperwork. Done.
Checked against FEMA’s flood map for that exact spot.
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.
One program. One price. You answer the rating questions yourself.
The government policy and private carriers. A licensed agent checks the details that set your price. We handle your lender.
Your lender has to accept a private flood policy that meets the federal standard. We check which ones fit your loan before you buy.
A licensed, independent insurance agent prices both for your building. You see what each one costs and covers. Then you decide.
Send your address once. A licensed, independent insurance agent replies within one business day with the options priced for that building.
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.
A licensed, independent insurance agent reads your lender's letter and checks the policy against it before you buy.
Checked against FEMA’s flood map for that exact spot.
Sources: OpenFEMA NFIP policies and NFIP claims (data as of September 8, 2026, read October 30, 2026); U.S. Census Bureau QuickFacts, Florida (read October 30, 2026); FEMA CRS Eligible Communities, October 1, 2026.
Each county page carries that county’s own FEMA, NFIP and CRS data, sourced and dated.
Another Florida county? Start with flood insurance in Florida, or check the address itself.
Click your state to explore local flood zones, county rates, and coverage options.
Select a state to see local flood insurance info
Get My Flood Quotes →Checked against FEMA’s flood map for that exact spot.
Reply within one business day.
We check the top flood carriers to find you the best option.
We shop your flood insurance to find the best offer.
Reviewed by Matt Williams, licensed Florida insurance agent (2-20 General Lines). Last reviewed October 29, 2026.
This page in three lines:
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.
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.
The lender can add the cost to your escrow, so it is paid with your monthly mortgage payment. It can also add the cost to your loan balance or bill you for it.
That policy only has to cover what you owe on the building, up to the program limit. The rules do not require it to cover your belongings.
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.
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; 12 CFR 22.5(a)(1) and Interagency Q&A Escrow 3 and Force Placement 10 (Federal Register, May 31, 2022) (paying through escrow, the loan balance or a bill); 12 CFR 22.3(a) and Interagency Q&A Force Placement 8 (what the policy has to cover), read October 30, 2026.
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.
Source: FEMA, FloodSmart.gov. Program facts checked July 2026.
Even if you are not required to carry it, flood insurance is often the difference between recovery and financial devastation.
Standard homeowners policies exclude flood damage. If you want protection, you need a separate flood policy.
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.
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. Here it is.
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.
Know who to call, what to photograph and what to keep before you need to.
The jargon everyone uses and almost no one explains. Bookmark this.
Checked against FEMA’s flood map for that exact spot.