Get Flood Insurance Los Angeles CA & Save Money Too.
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People in Los Angeles CA save on average $500 to $1,457+ on their annual flood premiums.
In many cases, we save them even more. Get the cheapest flood insurance in Los Angeles, CA, without sacrificing coverage.
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2023 – Los Angeles Flood Zones
Here’s the 213 & 323 on Los Angeles flood zones from the people who know it well – the Flood Nerds™
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Standard Homeowner’s Insurance Does NOT Cover Los Angeles Flooding
A typical California homeowner’s policy is written through Farmers, State Farm, Allstate, or Progressive. These policies protect your home from things like fires and theft. But what they don’t cover is damage from flooding.
Go ahead, ask your homeowner’s agent to add a flood endorsement to your policy, and watch them laugh. But it’s not funny.
In most cases, the only way to get flood coverage in Los Angeles flood zones is by purchasing a separate flood insurance policy. And unfortunately, most local insurance agents will just stick you in the National Flood Insurance Program (NFIP) – easy for them – expensive for you.
Flood Nerds are Flood Insurance Specialists. We look for and often find you great coverage and rate and the search is free.
Do You Really Need Flood Insurance in Los Angeles California?
The NFIP had a stranglehold on the California flood insurance Los Angeles markets for years. Too many people think if they aren’t in a high-risk flood zone map so they don’t need coverage. And they find out they’re wrong the hard way.
“It never rains in California….it pours man it pours”
Albert Hammond 1972
That popular song from the ’70s is still true today. California sees more than its fair share of flooding. Especially in the Los Angeles County flood areas. And all the fires cause more risk as vegetation is no longer holding back mudslides.
Even if you are in what NFIP calls a “low-risk area” you are still at risk. That’s because 20% of all flooding events in the US every year happen in those “low risk” areas.
Maybe you thought about buying flood insurance when you bought your house but said “Naw – the lender doesn’t require it so I must not need it”. Your real estate agent may have even told you it wasn’t necessary.
Or maybe you saw a big storm coming and thought about the risk of flooding. But by then it was too late to buy a policy. You dodged the bullet that time. But what about the next?
Just because the flood zones in Los Angeles consider your property a “low risk” it doesn’t mean you aren’t at risk.
The government has been collecting flood data for the last 50 years in Los Angeles. This data shows that recent major storms resulted in the damaging flood are in these low-risk areas. And 90% of people who had floodwater in their homes after these flooding storms didn’t have flood insurance.
Don’t buy the lie about low risk – buy flood insurance!
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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.
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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.
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