Coverage options – Tailoring coverage

Learn about customizing coverage to meet policyholder needs.

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How Does It Cost?

Flood protection with the government-run National Flood Insurance Program (NFIP) starts as low as $15/month. Currently, there are around 60 insurance companies that sell the NFIP flood product. The price is standardized across all insurance companies and is set by the Government.

What Factors Will Affect Your Premium?

The price you will pay for flood insurance will depend mainly on the following factors:

  • Flood risk zone where your building is located
  • Occupancy Type (one family house, two family house, three-four family house, single-family condo unit) Use (residential vs. commercial)
  • Residence (primary residence vs. secondary home)
  • Foundations (slab on grade, basement, crawlspace, elevated, etc.)

Find out your estimated flood insurance premium in 30 seconds with our quote tool.