Get Flood Insurance Georgia & Save Money Too.
People in Georgia 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 Georgia without sacrificing coverage.
Get flood insurance from a Flood Nerd® at Better Flood Insurance® and save big time.


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Get Cheap Flood Insurance GA in 2023 without Compromising Your Coverage.
Get Cheap Flood Insurance without Compromising Coverage

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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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How to Save Money Flood Insurance Georgia

Georgia flood
Does my Georgia homeowner insurance cover flooding?
A typical Georgia 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. Georgia flood zone map
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.

How to get Flood insurance in Georgia?
It is important to have flood insurance coverage in Georgia because our beloved Cowboy State has seen a fair share of flooding, and more is likely coming.
We believe that most homeowners think about Flood insurance in Georgia 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 is looming 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. 80 percent of these individuals had water in their homes or building 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.

Georgia flood map

Flood Insurance Georgia
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 – Homeowners’ average amount of assistance 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 in the form of a loan and you will need to pay it back. Are you willing to gamble away your financial future by forgoing flood insurance coverage?
One more note on these low-risk flood zone maps. Many of these maps are over 40-years old. If the area has been developed, then there is likely more concrete, creating a barrier for land that previously, might have absorbed the massive downpour.
Because of all these factors, it is difficult for property owners to know their true risk of flooding. FEMA admits that their flood maps only give an idea for part of the risk. Our recent storms are facts that it can rain anywhere within Georgia, and you should consider getting flood coverage, so you are not uninsured when you need it most.
FEMA flood zone maps often take years to go into effect after the terrain was studied, this gives the impression that the area is “more up to date” then it really is.
The average cost for Georgia flood insurance in these Low-risk areas is $595 per year.
FEMA’s National Flood Insurance Program (NFIP) and all federally backed lenders rely on these Georgia flood insurance maps to assess risk, set premiums, and determine who is required to purchase flood insurance. Bad information about an areas flood risk can leave property owners under or uninsured.
How much is flood insurance in Georgia?
There are many options available in Georgia regarding flood insurance, but they basically fall into two main categories. The Government option also referred to as the NFIP or FEMA. And the Private Flood Insurance Market.
Georgia NFIP flood insurance.
1 – The National Flood Insurance Program (NFIP), also known as FEMA, which is the government option for flood insurance. The NFIP has enjoyed a 50-state monopoly on the flood insurance market.
Not “private flood insurance” but NFIP Resellers
If you have Nationwide Flood Insurance, State Farm Flood Insurance, Progressive Flood Insurance, or any of the of the logos below then you are buying the NFIP flood policy that is just being resold through a government program. These companies are private companies, but their flood insurance is not. Here is a list of the 70 companies that resell the NFIP policy.

Georgia private flood insurance market

There are alternatives to the NFIP or government insurance. It is called Private flood insurance most notably Lloyds of London Flood insurance, however, there are other options available in Georgia . We shop all the options for your property in your region to ensure you are getting the best premium. If you are ready to have us do the work for you, please click here.
Our shopping does include the NFIP because sometimes we find that with government subsidies you can get a much better premium.
Get a Georgia Flood Insurance quote
Lloyd’s of London Flood Insurance Georgia Market
Georgia is fortunate to have many Lloyd’s of London flood insurance options. Although many Lloyd’s flood insurance companies will have you assume that there is only one option, nothing could be further from the truth.
Cost of flood insurance in Georgia
Lloyd’s of London has a rich history and is attributed to have invented the very first modern insurance model. Unlike most of its competition, Lloyd’s of London is not really a company but rather a corporate body. This structure works quite well since it has been around for over 330 years. Lloyds operates under multiple financial backers that all pool their capital to spread the risk.
I have two blog posts that take a deep dive into Lloyds of London and what they mean to Georgia ’s flood insurance market. If you are interested, the links are below.
Lloyd’s of London Flood Insurance
FEMA vs Private flood Insurance
Lloyd’s also insures the world for flood insurance, meaning they cover flooding events in India, Australia as well as much of Europe. You see the “game” of insurance is to spread your risk since Lloyds is worldwide.

My joke here is that Lloyds is banking on Gods promise that he won’t flood the entire world again, …..so they won’t have to pay out the whole worlds flood claim.
How much does flood insurance cost in Georgia?
There are many factors that go into getting the cost of flood insurance for Georgia. If your home is in what is considered low-to-moderate risk, you can get a heavily subsidized policy though the government.
Georgia flood insurance low-to Moderate Risk rate and cost.
This is Flood Zone X, which is not lender required flood zone.
This is usually identified as an X-flood zone. Then we would suggest the government Preferred Risk Policy (PRP) which is a subsidized policy and has set flood insurance coverage limits (see grid below):

Georgia flood zone map
The average cost for flood insurance in Georgia with the maximum set limits in these Low-risk flood zone areas is $405 – $700 per year.
If your property is in higher-risk flood zone, it is usually identified with a Flood Zone AE. Your lender will require you to have flood insurance. The cost of flood insurance in Georgia depends on many factors that are unique to the structure. We are going to try to give you an idea for the most common homes we see in Georgia with a slab on grade foundation.
We will look at the Georgia cost of flood insurance for the NFIP maximum of $250,000 for the (building only) with NO CONTENTS and our recommended deductible of $5,000.
We will be rating this example on the NFIP, as well as on a few of our private flood insurance policies, specifically Lloyds flood insurance options in Georgia.
Cost of Flood Insurance in GEORGIA in high-risk flood zone AE
Our example is in Chatham, but the premiums will be the same if in Savannah, Tybee Island, Cobb, Glynn, Augusta, and many other Georgia flood ones.
In our example, the Base Flood Elevation (BFE is 13) and is a home that is built before 1973
NFIP option in Georgia Flood Zone AE
NFIP – Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible
NFIP Annual premium in High-Risk flood zone is $4,060.00
This option is what we see if the property has had a flood loss before, and either doesn’t have an Elevation Certificate applied or the Elevation certificate showing that the lowest floor is 4 feet under the BFE for the area. You can use 10% of your coverage to cover other structures on your property
