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This is Flood Up, Man! (2024 Update)

7 Million Homes at Risk: Top 10 Flood-Prone Cities

In 2024, millions of homes remain at risk from hurricane storm surges and flooding. Here’s a breakdown of the top 10 cities most vulnerable to flooding based on the latest Flood Insurance Rate Maps (FIRMs).

Are You Living in a High-Risk Flood Area?

Check out images of the highest population areas most at risk. Are you near one of these zones? Find out if you need to reconsider your flood insurance options.

Flood nerd Blog learn about flood stuff and how to protect yourself

Private Flood Insurance: Save Money and Get Better Coverage

Tired of paying too much for flood insurance? Learn about private flood insurance options like Lloyd’s of London and other ways to save on your premiums. We answer all your burning questions about FIRMs and how to find the best rates.

The 2017 Hurricanes: Harvey and Irma’s Legacy

The 2017 hurricane season was one for the record books. Harvey and Irma caused extensive damage, with estimated costs between $40-$59 billion and $29-$46 billion, respectively. These storms highlight the importance of being adequately insured.

Flood Insurance: NFIP vs. Private Options

Do you need flood insurance through the NFIP or should you consider private options? Let us handle the shopping for you and find the best policy that suits your needs.

NFIP’s Uncertain Future

The National Flood Insurance Program (NFIP) is set to expire mid-hurricane season this year. With Congress dragging its feet on reauthorization, it’s crucial to explore private flood insurance markets that could save you 20-50% on premiums.

The Real Cost of NFIP Policies

NFIP is $30 billion in debt, a figure set to rise post-2017 hurricanes. Policymakers face a tough decision: set premiums too low and risk insolvency or too high and drive homeowners away from flood-prone areas. This balancing act affects everyone, from coastal cities to inland communities.

Why Private Flood Insurance Makes Sense

Private flood insurance often offers more accurate risk assessments and better rates than NFIP policies. Our Flood Nerds can help you navigate these options and save money on your flood insurance.

The Debate Over Flood Insurance Premiums

Senator Kennedy argues that private insurers should not cherry-pick the best risks, leaving high-risk properties for NFIP and taxpayers. We believe that private flood insurance can offer a fairer, more accurate assessment of flood risk, benefiting everyone.

Fixing the Flood Insurance System

To improve the system, the government should:

  1. Use its extensive flood data to rate properties individually.
  2. Stop subsidizing flood insurance to allow market regulation.
  3. Share data with private insurers to leverage the latest technology for better flood risk mapping.
  4. Focus on mitigation, letting private insurers handle immediate post-flood recovery.

Join Us Next Week

Stay tuned for next week’s post where we dive deeper into the future of flood insurance and how you can protect your property.


Flood Nerds are on a mission to help you find the best flood insurance coverage at the most affordable rates. We believe in using both NFIP and private options to get the best deal for you. Let’s navigate the flood insurance maze together and find a solution that works for your unique situation.

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