Better Flood

Fast affordable alternative to expensive FEMA Flood Insurance

Need to save money where you can in these hard economic times? You can save money by ditching your FEMA Flood Insurance. There are great, affordable options your FEMA Flood Insurance Agent doesn’t want you to know about. That’s because they can’t get the coverage for you. Stop paying too much for flood insurance. Switch today with a free quote.

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Here’s the Lazy Way to Save Money on FEMA flood insurance

Get Cheap Flood Insurance without Compromising Coverage

Affordable 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.

Flood Insurance Affordable and Approved
Quick Quote & Coverage


"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.

Top Rated Flood Nerds
We Have Satisfied Clients


"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. 

Find Out the Cost Difference Between Government and Private Flood Insurance

If you are reading this page, you probably need to save money and see if you can pay less for FEMA Flood Insurance. 

FEMA Flood Insurance, State Farm Flood Insurance, Allstate, Geico, Nationwide, and USAA are well-known insurance company names, and they have a secret they don’t want you to know. But I’m about to spill the beans.

Not Private flood Insurance

Here it is – these companies sell flood insurance but don’t write the policy. All of them are FEMA insurance. FEMA would have you believe that they are your only option for flood insurance. 

But this is a lie. There have been alternatives to national flood insurance since 2012. However, the government’s Write Your Own program discourages competition with the private insurance market, and this lock-out coupled with an uninformed local family insurance agent could keep you from getting better coverage or a better price for your flood insurance.

What works well for FEMA Flood Insurance might not work best for your budget. So use the lazy way to find the best price. Ask a Flood Nerd to shop for flood insurance. WE shop the true private flood insurance and the NFIP to get you a great price and an even better policy. You don’t need to do anything and we promise that we won’t try to sell you auto, life, or dental insurance.

FEMA Flood Insurance has had a monopoly for over half a century

NFIP created the Write Your Own Program and 50 companies signed up. 

So how do you still have a FEMA Flood Insurance Policy? Your local family agent is just entering your information into a portal that goes directly to the NFIP where an underwriter rates your policy. 

Underwriters may be great at their job, but their job isn’t to save you money. They aren’t going to look for loopholes that provide great coverage at a reduced price.  They just provide a quote and your nieve local agent doesn’t question it.

Now you know the secret, click to get a Flood Nerd to find better coverage and a better premium.

Which is cheaper – the FEMA Flood Insurance you have through the NFIP or a policy through a private insurance company? 

How hard is it to click? It isn’t. But comparing the ins and outs of flood insurance can be confusing.  So, be lazy, and click to get a comparison. 

A Flood Nerd will figure out if the NFIP policy through FEMA is cheaper or if you can do better. 

See Flood Nerds look at things like distance from the flooding source, your foundation, the elevation of the home from the flooding source, and then of course coverage amounts, and deductibles. Then we give you a comprehensive quote and make sure you understand your coverage options.  With a Flood Nerd doing the work, you’ll get a customized option for your unique needs.

Stretch your budget and save the lazy way.

You have nothing to lose and money to save for just comparing coverages. 

Find out if you are paying too much for flood insurance. 

Get a Flood Nerd to compare what you pay for you FEMA Flood Insurance with what you will pay for private flood insurance.  It just takes a few minutes to fill out our property information form. 

It’s not that hard to save money on flood insurance. We typically find flood insurance policies with premiums in the  $500 – $1500. 

You work hard, take a break, and save some money. Flood Nerds often save hundreds to thousands for our clients.

Just click!

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