Instant KY Flood Insurance at Great Rates.
Save big with our reliable Kentucky flood insurance plans—fast quotes, faster coverage.
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Save Money on KY Flood Insurance.
We Get It,
Buying Flood Insurance in Kentucky Is Confusing…
You might be asking:
• What coverage do I need?
• How much is flood insurance in Kentucky going to cost me?
• How much can I save?
It’s okay, your search for cost-effective KY flood insurance that doesn’t compromise on coverage ends here.
Meet The Flood Nerd™
Your KY Flood Expert, Friend, and Guardian
In 2015, Robert Murphy, inspired to help homeowners and businessowners alike, entered the insurance brokerage market with one goal in mind: To help uncertain KY homeowners find affordable, high quality flood insurance that doesn’t compromise on coverage.
We Find You Great Coverage
While Saving You Up To $1,457+ A Year!
What you seek is:
Enhanced security for your Kentucky Property.
Significant savings.
Absolute freedom.
Unwavering certainty.
Memorable moments.
Quality family time.
Peaceful travels.
It's As Easy As 1, 2, 3!
1
Fill Out Our Online Form
Complete our easy quote form so we can understand your needs & personalize your rates.
2
Get An Instant Quote
Our team scours insurance companies nationwide to instantly present the best coverage & rate options for your needs.
3
Get Coverage
If you’re happy with the coverage options, you can sign up easily directly from our online portal.
Get Cheap Flood Insurance without Compromising Coverage
★★★★★
"Same Coverage at a Better Rate"
-Mohammed K
Flood Nerds will shop the private flood insurance markets and then compare them to the NFIP, guaranteeing you the better option. We will send you the cheapest flood insurance rates within minutes.
★★★★★
"Quick Response, Very Knowledgable"
– Robert W
Paying for low-cost flood insurance is awesome. And letting the Flood Nerds shop your property has other benefits – you can get better coverage while saving money, and you can get it fast.
★★★★★
"Would highly recommend Better Flood for your flood insurance needs."
– Varun K
Better Flood Insurance is an independent flood insurance broker that shops flood insurance ONLY. Flood Nerds are Flood insurance experts. We have 5000+ happy clients and 390+ 5-star reviews.
Flood insurance Kentucky
Does my Kentucky homeowner insurance cover flooding?
A typical Kentucky homeowners’ policy is written through Farmers, State Farm, Allstate, and Progressive, for instance, excludes flooding as something that will be covered under their homeowner’s policy.
In most cases, the only way to get flood coverage is by purchasing a stand-alone flood insurance policy. However, you should ask your homeowners agent if you can add an endorsement to your homeowner’s policy to cover flooding. Yet, don’t be too surprised if the answer is NO.
Do I need flood insurance in Kentucky?
It is important to have flood insurance coverage in Kentucky because our beloved Cowboy State has seen a fair share of flooding, and more is likely coming.
We believe most homeowners think about Flood insurance in Kentucky at some point, maybe before buying a home or during the closing process. However, many of us only think about it when a big storm looms, or we have heard on the news that there is flooding forecasted or happening too close to our home.
If your home or business is in a flood zone, that is considered a low flood risk area. Sadly, many homeowners decide to forgo purchasing coverage because they believe they are safe from flooding. Some real estate and insurance agents may even say you don’t need it.
I ask you to consider the facts: 20 percent of all flooding events across our nation come in areas that are considered low risk. After our last few major storms (Hurricane Harvey), we saw flooding in these low-risk areas. Eighty percent of these individuals had water in their homes or buildings and didn’t have flood insurance coverage.
In Harris county, nearly 135,000 homes were damaged. Three-fourths of these properties were considered low to moderate risk.
We often hear that people believe that the government will help, which is true. However, a few things must align for you to get government assistance.
- 1 – The president of the United States must declare the flooding event a state of emergency. If this doesn’t happen, then there won’t be assistance.
- 2 – The average amount of assistance homeowners get after a flood, when they do not have flood coverage, is $5,000. The average cost of damage to one’s property after a flood is $38,000+. That $5K you get from the government? It comes as a loan, and you will need to pay it back. Are you willing to gamble on your financial future by forgoing flood insurance coverage?