Better Flood

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Instant Flood Insurance, Guaranteed. Great Rates. Fast Coverage.

Save big with our reliable flood insurance plans—fast quotes, faster coverage.

Alternative_flood_insurance

$2.3M+

Annual Premium Savings

4.9★

Average Ratings

445+

Reviews

5,497+

Happy Clients

Discover the "Almost Magical" Method to Unearth Flood Insurance Savings Across the U.S. – Guaranteed!

Hey there, Property Owner,

Ready for a FAST, straightforward, and surefire way to send your flood insurance savings through the roof?

Well, buckle up.

You’re on the verge of reading the most thrilling news of the day, possibly the year.

Why all the excitement?

 

Let me spill the beans:

In the last 24 action-packed months, our crew of Flood Nerds has banked over $3 million in savings for our clients on what they were overspending on flood insurance.

Yeah, you read that right.

 

Here’s the scoreboard:

We’ve spread this joy to over 5,497 clients across the map – from cozy homes and chic condos to bustling rentals and sleek commercial spaces, not to mention a plethora of RCBAPs…

 

Our secret weapon?

An elite lineup of underwriters and a sprinkle of Flood Nerd magic.

Is flood zone X good or Bad?

The result?

A whopping 465+ glowing reviews, averaging 4.9 stars, and a legion of clients who didn’t just save a buck or two but secured top-notch, affordable flood coverage.

 

Flood Nerd shopping isn’t just good; it’s spectacularly effective.

Because let’s face it – in the world of insurance, where every penny counts, discovering genuine savings is like striking gold.

And our approach is far from the run-of-the-mill, cookie-cutter advice you might get elsewhere.

No siree.

We’re talking about real, hard-hitting strategies that come from deep in the trenches of insurance shopping.

 

Our team doesn’t just talk the talk; we walk the walk, with every Flood Nerd dedicated to scouring the market for savings – because, like you, we’ve got bills to pay and budgets to balance.

 

And if you’ve ever found yourself fretting over rising flood insurance costs, you’re not alone.

 

It’s a common tune, but we’re here to change the beat.

Unlock Cheap Flood Insurance: Your Treasure Map in a Stormy Sea

Floods—the very word can send shivers down your spine, conjuring images of rising waters and rising stress levels, especially when it comes to insuring your sanctuary against nature’s fury. As flood insurance premiums climb like the tide, finding a dependable yet affordable safety net seems more daunting than navigating a ship through a storm.

Flood Nerds Beat Flood Insurance

Imagine a beacon of light across the turbulent waters, guiding you to the safe harbor of affordable and comprehensive flood coverage. That’s where Flood Nerds come into play, wielding their expertise like seasoned captains steering you away from the rocky shores of excessive premiums and into the calm waters of savings.

Bid farewell to the migraine-inducing maze of policies. Our certified Flood Nerds are your first mates in the quest for budget-friendly flood insurance that doesn’t skimp on security. Dive into trusted protection without drowning your wallet, all thanks to Flood Nerds.

Navigating NFIP Waters? You Need a Flood Nerd!

Already charted a course with an NFIP/FEMA policy? Then it’s high time to recruit a Flood Nerd. It’s a rough sea out there, with too many captains at the helm lacking the navigational prowess to steer clear of the costly icebergs. A shocking 85% are dabblers, jacks-of-all-trades but masters of none, potentially costing you a pirate’s ransom.

With premiums surging like a high tide, paying your NFIP renewal feels like being asked to fill the ocean with a teaspoon. Don’t let the daunting depths of flood insurance premiums pull you under.

Stop letting flood insurance worries capsize your peace of mind. Enlist a Flood Nerd to embark on the voyage on your behalf. Specializing exclusively in flood insurance, we chart the most cost-effective course, ensuring you’re not marooned with excessive coverage costs. While we might not navigate the realm of car insurance, we’re the undisputed corsairs of affordable flood insurance.

Set sail with Flood Nerds and discover the treasure of cheap flood insurance tailored just for you.

Do You Currently Have Private Flood Insurance?

Just because your policy is written by a private flood insurance company doesn’t mean it is cheaper than anything else out there.

The only way to truly see if you are getting a good premium is to let a Flood Nerd shop your flood insurance. The quote is free and all you have to lose is a high flood insurance premium.

Lloyds of London Flood insurance policies usually are less than NFIP policies, but sometimes a savvy Flood Nerd can get the government policy for less.

We are on the Best Flood Insurance List

Everyone wants to feel secure, especially when it comes to your home. If a flood were to happen, would you know what insurance will protect your belongings? Purchasing flood insurance is an important decision and can be frustrating trying to figure out which policy is right for you.

Shopping around for the best flood insurance plan doesn’t have to be a challenge anymore. With the help of expert Flood Nerds™, you can get the exact coverage you request at the best prices.

Get the protection and peace of mind you deserve with our best flood insurance shopping services. Our experts will look around and make sure you get the perfect policy that meets your request.

Homeowners Love Flood Nerds

Are you looking to buy a new home and just discovered it requires flood insurance? Is your homeowner’s insurance agent giving you a ridiculous price for flood insurance?

Don’t panic! The Flood Nerds help make your dream home a reality.

The Better Flood Insurance Agency is the flood insurance agency that shops for options in your area.

The Flood Nerds will get you a good flood insurance quote. The quote is free. There are no strings attached.

Guaranteed.

Loan Officers, Mortgage Companies, and Realtors Love the Flood Nerds

Flood Nerds understand the requirements for flood insurance for federally backed or insured loans. We know what you’re looking for! That’s why we make sure you have everything you need the first time around.

Flood Nerds help close loans on time.

The Flood Nerds make certain that flood insurance isn’t going to delay your closing. Oftentimes, we help close the loan earlier than expected because we get cheap flood insurance fast.

5/5

The Flood Nerds designed and executed a program for an upcoming loan closing, that not only met loan requirements but exceeded expectations on timing. Due to prior agents’ incompetence, the loan was in jeopardy of not closing on time, if the date was missed this would cost the buyer thousands of dollars, and the whole process once Robert got on the team he made this happen. Saving money on Flood insurance as well as keeping the closing date.

When seeking expert Flood advice, Robert is knowledgeable and provides personable, friendly service.

Patty E – Sr. Large Commercial Loan Walker & Dunlop

5/5

Better Flood Insurance has been amazing to work with! I bought a riverfront property a couple of years ago that is in a floodplain expecting that I could get flood insurance at a similar rate as the existing homeowner. I ended up finding a policy for about $1,600 but then it was canceled after a year. The following year I found one for about $3,400 which also just came up for cancellation. I have been so stressed because the NFIP policy was quoting me over $10,000 for the property. Better Flood went above and beyond to do research and find a way for me to be grandfathered into the NFIP policy with a rate of about $1,400 a year. Talk about a big relief! I was so close to having to sell the property due to the super-high rates! Thank you so much for all you have done to find me the best insurance policy at a great rate! Thanks, Matt

MATT W ~ HARPERS FERRY, WV

5/5

Flood Nerds did a great job for us! They know the ins and outs of Flood Insurance which is required to navigate the particular complexities of this kind of insurance. Their deep knowledge of this area of insurance ended up saving us a considerable amount of money, and we’re most appreciative. They are also quick and efficient and got the job done with a tight deadline to support our loan application. I recommend Mr. Murphy AKA the Flood Nerd without a single reservation. Bravo!

Leslie M – Ho-Ho-Kus, New Jersey

5/5

I’m so glad someone referred me to the Flood Nerds! Robert and Susie set me up with a policy exponentially better than anything I was finding through other providers. They were both quick to assist and very knowledgeable. The Flood Nerds took away the stress of having to find flood insurance!

Will C – Little Rock, Arkansas

Private Flood Insurance versus the NFIP

Most people don’t realize there is a healthy private market for flood insurance. That’s because the federal government dominated the market for years. When you have no competition, you have no incentive to control costs.

When the government finally allowed competition, many of the big insurance companies like Allstate, Progressive, and State Farm started taking the NFIP policy and slapping their logo on it.

That’s not private insurance! And that’s not how to save money on flood insurance either!

The Flood Nerds know the REAL private flood insurance market. We know over 40 companies where we can shop to get you the good coverage and a good rate. We’ll even shop your policy through the Lloyds of London syndicates.

Then we compare those costs with the cost of the NFIP policy.

Private flood insurance policies can save you 20-50% over the government option.

It seems crazy that private flood insurance is cheaper, but that’s because most private flood insurance company have different underwriting practices, technology, and appetite for covering a property’s risk.

Do you have the time and energy to spend shopping for your flood coverage with every available insurance company? Of course not, unless you are a Flood Nerd.

Flood Nerds love to shop for flood insurance. We get an adrenaline rush and an endorphin high when we find cheap flood insurance and better flood insurance coverage for our clients.

Read more about the differences between the NFIP and Private Insurance

Why You Need Flood Insurance

You don’t wait until the house is on fire to buy fire insurance. Even if your lender doesn’t require you to have flood insurance, you may still need it.

Your homeowner’s policy doesn’t cover damage from rising water. That’s the costliest damage to repair. The average damage from a flood is $35,000.

One uncovered flood can wipe you out financially. It’s why so many houses are abandoned and foreclosed upon after a major flood.

Don’t Wait Until You See Water in Your Backyard To Buy Flood Insurance – It’s Too Late

Even if you have had a private flood policy for a while, it’s free to have a Flood Nerd shop for better coverage or a better price. You’ve literally got nothing to lose but a high premium!

You need flood insurance, but you need to protect your pocketbook as well. No matter where you live, the Flood Nerds are here. They know your area and they know how to save money on flood insurance, even if you live in a high-risk area.

Meet a Real Flood Nerd

I’m Robert Murphy, founder of Better Flood Insurance and the head Flood Nerd.

I am going to share with you the secret to getting a good price on your flood insurance.

Let a Flood Nerd do your shopping for free. It’s that simple.

It doesn’t matter if you’ve had coverage through the NFIP for years and are sick of the premiums or are buying a house and the lender wants flood insurance before you can close.

The Flood Nerds can help.

Fill out the Request for a Quote and we will start shopping right away.

I believe you should know your options when it comes to flood coverage so you can make a good decision. And you should feel confident you are getting a good price.

That’s why we Flood Nerds make this pledge.

  • I promise to get my customer good coverage.
  • I promise to find it at a good price.
  • I will make getting flood insurance a process that’s easy, fun, and stress-free as I can.

When you ask a Flood Nerd to shop your coverage we will look at options. Flood Nerds love to review your property and history and then get you a solution that could fit your needs.

My love for saving people money on flood insurance is what makes Better Flood Insurance the best flood insurance agency you will find, period.

How to Reduce the Cost of Flood Insurance

  1. Start researching all 40 private flood insurance carriers.
  2. Get frustrated and confused.
  3. Contact a Flood Nerd for a free quote and let them do the work.
  4. If your home’s flood map changes, buy your policy within 9 months of the map change to benefit from heavily subsidized NFIP premiums.
  5. When buying a home that needs flood insurance, always ask the seller for a copy of the flood policy Declaration page. If they have a subsidized policy, a real flood insurance agent (a Flood Nerd!) can get you that same rate.
  6. Adding an elevation certificate may help.
  7. Flood vents may change the base elevation.
  8. Talk to a Flood Nerd about flood mitigation strategies.

Changes to Your Property Can Lower Your Flood Risk

Sometimes making an adjustment to your property can reduce your NFIP flood insurance premiums. The Flood Nerds know a lot about this stuff too. Ask them about:
  1. Elevating machinery or equipment above the base flood elevation (BFE).
  2. BFE is how high the government says the floodwaters will go in the event of flooding.
  3. When these items are below the BFE, you might pay a surcharge.
  4. If your home is elevated either over a garage, enclosure, or crawlspace, consider adding flood vents. This takes the lowest floor out of the flood insurance rating consideration. But there’s a trick for this to work. The square inches of the holes must be equal to or greater than the square feet of the vented area. There are engineered flood vents that can be smaller openings but let more water pass under your living area.
  5. Although this doesn’t affect flood insurance rates. You should consider flood damage-resistant materials, elevating machinery, and other techniques that can keep your home safer.
  6. In extreme cases, you might want to reconsider the location of your house. Elevating your building may be expensive, but in some cases, you may qualify for government grants. If your home can’t be elevated then check out this link to see if this is an option for you.
  7. Elevating your home 3 feet above the BFE can save up to 60% or more on your annual flood insurance premium. If you are 1 foot above the BFE it saves 30%. Here is a great resource to see if this option would work for you.
  8. Sometimes your community can do some FEMA flood mitigation that will allow you to get community discounts. See if your community has discounts here.
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JULY PROMOTION

Enter to Win the Ultimate Emergency Preparedness Radio!

  1. Shop Your Flood Coverage: Provide us with the opportunity to shop for your flood insurance coverage.
  2. Get a Free Quote: Receive a personalized flood insurance quote.
  3. Automatic Entry: Once you confirm you have receive your quote, you’ll be automatically entered into our drawing.
Promotion Emergency Radio

About the Prize:

Ultimate Emergency Preparedness Radio:

  • Hand Crank and Solar Powered: Never worry about running out of battery with multiple power sources.
  • 2000mAh Power Bank: Keep your phone charged during emergencies.
  • AM/FM/NOAA Weather Radio: Stay informed with up-to-date weather alerts.
  • 3 LED Flashlight: Illuminate your surroundings in low-light conditions.
  • Compact and Portable: Perfect for camping, survival kits, and emergency preparedness.

 

Why Shop Your Flood Coverage with Us?

  • Expert Guidance: Our Flood Nerds are here to help you find the best coverage at the most affordable rates.
  • Free Services: Take advantage of our complimentary flood zone determination.
  • No Obligation: Getting a quote doesn’t commit you to purchase.

Terms and Conditions:

  • The promotion runs from 7/1/2024 to 7/30/2024.

  • One entry per household.

  • Property must require flood insurance and or you must intend to purchase a policy.

  • The winner will be selected randomly and notified via email.

  • No need to purchase from us to win.