Get Flood Insurance Missouri & Save Money Too.
People in Missouri 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 Missouri without sacrificing coverage.
Get Cheap Flood Insurance Missouri in 2023 without Compromising Your Coverage.
Flood Insurance Missouri
Floods can happen anywhere, at any time. It can be a painful experience, especially when you have to think about all the damage to your home and all the costs involved in getting your life back together. With unpredictable weather patterns that bring flooding to unexpected places, it’s important to consider flood insurance for your home in Missouri.
There are different levels of protection available depending on where you live. Knowing how much flood insurance in Missouri will cost you is part of protecting what matters most.
Our team of Flood Nerds is experienced in understanding all the options available for your property so that you can confidently make an educated decision. Most of our clients save from $500 – $2,500 on their Missouri flood insurance by moving to one of our many private flood insurance options.
Certain variables need to be considered to determine the cost of flood insurance in Missouri. For an accurate estimate, we’ve created a quick calculator below. But, to obtain a reliable assessment, we recommend requesting a free quote that only takes a few minutes to complete.
Most of our clients buying flood insurance in Missouri pay between $500 and $1,500.
Learn how much flood insurance coverage could cost for your Missouri home with us today.
Finding Cheap Flood Insurance in Missouri, the Flood Nerd™ Way
You’ve probably heard it before – finding cheap flood insurance in Missouri can be daunting. But have no fear; flood nerds are here! If you’re looking for cheap flood insurance in Missouri, then you’ve come to the right place. We shop for the cheapest flood insurance policies that don’t compromise on coverage and have a few exclusive cheap Flood insurance companies in Missouri. Let us show you how we do it.
Step 1: Get us your information by filling out our online form
The first step to getting your cheap flood insurance in Missouri is getting your Flood Nerd your property information using our online form. This will allow us to shop your property and compare it to the NFIP to ensure you get the cheapest flood insurance policy.
Step 2: Shop Around and Compare Rates
Don’t just accept the first quote you get from your local agent – let a flood nerd shop around and compare rates to our pre-flood nerd-approved options to ensure you have found a flood insurance company with your flood nerds’ help getting the better deal. The NFIP has had a monopoly on flood insurance for many years, and now it is time to save money in Missouri.
Step 3: Utilize Exclusive Companies
Since Flood Nerds only work in flood insurance, we have many more options than others, and we have some exclusive relationships with several companies that can offer low-cost policies not available to an agent that isn’t a flood insurance expert in Missouri – giving our customers access to even more savings opportunities than they would find elsewhere. By leveraging our exclusive relationships, customers can save hundreds of dollars on their premiums while still receiving better coverage and peace of mind knowing their property is protected from floods.
Getting quality flood insurance in Missouri doesn’t have to be difficult or expensive. With Flood Nerds on your side, you can feel confident that you’re getting great coverage without compromising on coverage or quality of service. We understand that everyone’s situation is different, so we strive to provide personalized solutions tailored specifically for each customer’s needs and budget constraints – so why wait? Contact us today, and let us help you find cheap flood insurance in Missouri!
Get Cheap Flood Insurance without Compromising Coverage
"Same Coverage at a Better Rate"
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.
"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.
"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.
Does my Missouri homeowner insurance cover flooding?
A typical Missouri 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.
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.
Do I need flood insurance in Missouri?
Having flood insurance coverage in Missouri is important because our beloved Cowboy State has seen a fair share of flooding, and more is likely coming.
We believe most homeowners think about Flood insurance in Missouri 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 looms, 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 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. In 80 percent of these individuals, had water in their homes or buildings 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.
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.
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.
The average amount of assistance homeowners get 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 as a loan, and you will need to pay it back. Are you willing to gamble on your financial future by forgoing flood insurance coverage?