Instant Flood Zone Ratings and Flood Insurance Policy Costs

FloodSimple


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Compare Flood Insurance Rates

Save 30% to 50%


Choose Coverage Amount
Compare Annual Premiums*
FEMA Flood Insurance Policy
Lloyds of London Flood Insurance Policy
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Call (844) 803-8788





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*Estimated annual premiums are for high risk flood areas and do not include applicable state and local taxes or service fees. Coverages and billing options are subject to state availability, individual qualification and/or underwriting guidelines. Actual FEMA premiums may vary slightly based on the construction and elevation of a particular property.

Instant Policy Pricing

Save $300 to $500 a Year

Desired Coverage Amount

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Instant Flood
Zone
Determinations


GET YOUR PROPERTY'S FEMA FLOOD
ZONE DETERMINATION BY ENTERING
YOUR ADDRESS ABOVE

Compare Rates


and Coverage


CHOOSE FROM A WIDE RANGE OF
DEDUCTIBLES AND COVERAGE BASED
ON YOUR PROPERTY'S ZONE
DETERMINATION

Flood
Insurance
Videos & Guides


LEARN HOW TO CHOOSE THE
FLOOD INSURANCE POLICY THAT
IS RIGHT FOR YOU

FloodSimple...
The Simple Choice.



SAVE 30% TO 50% COMPARED TO FEMA



Frequently Asked Questions


Why are FloodSimple’s policies so much
less expense compared to FEMA?
Alternative flood insurance providers are selective about
which properties they choose to insure which minimizes their
losses. Unlike FEMA, which is required to insure any property
determined to be in flood zone.
Does FloodSimple require an elevation
certificate?
No. We use computer scoring and underwriters
who evaluate properties on an individual
basis.
Will my bank accept an alternative
to a FEMA flood insurance policy?
Yes, thousands of banks, mortgage companies and
credit unions accept alternative flood policies as
an alternative to a FEMA flood policy.
Can a FloodSimple policy be purchased
online?
Yes, purchasing an alternative flood policy from
FloodSimple is quick and easy. Simply provide a
small amount of information about the property and
an underwriter will evaluate it within 24 hours.
If the property is approved you can purchase a policy
by mailing a check or paying online with a credit card
or electronic check.
What is the difference between the
homeowners insurance and flood
insurance?
The difference between what is covered under the
homeowner's insurance and what is covered under this
policy really depends on the source of flooding. If the
flooding is an accumulation of surface water from
outside your property a flood policy is meant to cover
this. If it is natural water entering from an opening
in the roof, walls, or windows or if the water is
processed tap water that leaks from your water pipes
or appliances (water heater, washer), it should be
covered under most homeowners’ policies.
Can my lender require the purchase of
flood insurance?
Lenders are mandated under the Flood Disaster
Protection Act of 1973 and the National Flood Insurance
Reform Act of 1994 to require the purchase of flood
insurance by property owners who acquire loans from
federally regulated, supervised, or insured financial
institutions for the acquisition or improvement of land,
facilities, or structures located within or to be located
within an special flood hazard zone.

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