Author name: The Flood nerd

Meet Robert Murphy — The Flood Nerd I’m Robert Murphy, the founder of Better Flood Insurance and the proud original Flood Nerd. I started this business because I saw too many people stuck with overpriced, confusing flood insurance — or worse, left completely unprotected because no one explained their real options. That didn’t sit right with me. Over the years, I’ve dug deep into both NFIP and private flood markets, reviewing over 30 providers to uncover the best-performing options. I’ve handpicked 13 strong flood insurance solutions that I trust and offer through my brokerage. My role? I do the heavy lifting — shopping the market, comparing the fine print, and helping you land smart coverage without the hassle. But this is more than just a business — it’s a mission. I’m here to demystify flood insurance, fight misinformation, and guide homeowners, real estate pros, and lenders toward better protection and peace of mind. Thousands of families across all 50 states have trusted me to help them ditch bad coverage and save money — and I’ve built this blog and platform to share everything I’ve learned. So if you’ve ever wondered if someone out there actually enjoys decoding flood zones and policy language… yep, that’s me. I’m the Flood Nerd. And I’m here to help.

Not Private flood Insurance

You’re Getting Ripped Off on Flood Insurance (And Here’s Who’s Behind It)

They don’t want you to read this. Seriously. Because if you knew how this whole “flood insurance” game really worked… You’d never call one of those big brand names again. You’ve seen the commercials.And let’s be honest—the little gecko with the British accent? Or the statue of liberty in the background? All of them smiling […]

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Filing That Tiny Flood Insurance Claim? 

Dumb Move.  Here’s Why You’re About To Screw Yourself For YEARS. Why Filing A Small Flood Insurance Claim Could Be The Costliest Financial Mistake You’ll Ever Make (Read This Before You Burn Thousands Of Dollars) Alright, America, time to pay attention. It’s Your Flood Nerd here, and I’m about to hit you with some cold, hard truth about flood insurance—and honestly, all insurance. If

Filing That Tiny Flood Insurance Claim?  Read More »

Is flood zone X good or Bad? Is flood zone AE bad?

Is flood zone AE Bad?

Is Flood Zone AE Bad? Is Flood Zone AE bad? Not always—it’s high-risk (1% annual flood chance), but mitigation and insurance make it manageable. Understanding the Risks and Opportunities One common concern among homebuyers is the question, ‘Is Flood Zone AE bad?’ The answer requires a clear picture. Flood Zone AE is classified by FEMA

Is flood zone AE Bad? Read More »

🔥 WHY THE SMART MONEY KNOWS INSURANCE ISN’T JUST FOR BROKE PEOPLE

🔥 WHY THE SMART MONEY KNOWS INSURANCE ISN’T JUST FOR BROKE PEOPLE Listen up, because I’m about to drop some truth bombs about insurance that’ll blow your mind faster than a flooded basement destroys your fancy hardwood floors. The Rich Aren’t Stupid (Usually) You know those loaded folks with their Teslas and beachfront properties? They’re

🔥 WHY THE SMART MONEY KNOWS INSURANCE ISN’T JUST FOR BROKE PEOPLE Read More »

Why “Comprehensive Coverage” Isn’t a Real Thing in Property Insurance

The Myth of “Comprehensive Coverage” in Property Insurance—What You Need to Know LISTEN UP! Here’s Why “Comprehensive Coverage” is Total BS in Property Insurance 🦍 Listen here, you absolute champion – we’re about to drop some TRUTH BOMBS about the insurance game that’ll blow your mind. If you think “comprehensive coverage” applies to your home

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Flood nerd explains how Rainfall is increasing.

How To Be Flood-Proof: Achieve Top Notch Flood Insurance Like An Insider Even Without Any Previous Knowledge

Hurricane Helene Is Coming—And If You’re Not Insured, Your Bank Account Is About to Drown Most Homeowners Make This One Fatal Mistake… Don’t Let It Be You. Every year, the same story plays out: The news warns of an incoming storm. People shrug it off.The winds pick up. The rain starts falling. People start panicking.Floodwaters

How To Be Flood-Proof: Achieve Top Notch Flood Insurance Like An Insider Even Without Any Previous Knowledge Read More »

colorado springs flood zone map

Arvada Wheat Ridge Boulder

Colorado Flood Insurance Save Money on Flood Insurance Colorado, Arvada, Wheat Ridge, Boulder and more. A client called me today seeking a house in Jefferson County, CO. However, the property in Wheatridge, CO falls within a High-risk or Special Hazard Flood Area (SHFA). YES PLEASE SHOP MY CO FLOOD INSURANCE Zone AE flood insurance, Colorado

Arvada Wheat Ridge Boulder Read More »

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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.