Better Flood


Fast affordable alternative to:

Allstate Flood Insurance

Need to save money where you can in these hard economic times?

You can save money by switching your flood insurance to the private flood markets if your Allstate Flood Insurance is expensive.

Your Allstate Flood Insurance Agent probably can’t get them for you.

Stop paying too much for flood insurance.

Switch today with a free quote.

Get A Quote

Speak to a Flood Nerd™ 1-866-990-7482


featured on

Get a Quote

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.

Get a Quote NOW

Our clients usually pay between $500 and $1,457 for flood insurance annually

4.7 stars on top-rated national says it all.


Loan closing flood insurance savings
Satisfied Customer of better flood insurance


Review of Better flood Insurance.

Flood insurance that is better for your budget.

Flood nerds save client money

Save up to $900/year

Better coverage, better price.

We shop NFIP & private flood.

Flood nerds are flood insurance experts

Flood insurance experts.

No elevation certificate is required.

Flood Nerds only place with A Rated AM BEST underwriters

AM Best rating of A (Excellent) or higher!

Higher coverage options.

Flood Nerds are fast quotes

Fast quote. Fun People.

2023 – Here’s the Lazy Way to Save Money on State Farm Flood Insurance

Your Allstate Flood Insurance agent doesn’t really handle your flood coverage. They send your information over to an underwriter with the National Flood Insurance Program (NFIP).

That NFIP underwriter doesn’t care about saving you money. They just want to write your policy and move on to the next one. Your Allstate Agent doesn’t know enough about flood insurance to question the NFIP.

Too many people with Allstate Flood Insurance pay more for coverage than they would with private flood insurance. Flood Nerds save people from overpaying for flood insurance.

How Much Should You Pay for Flood Insurance?

Use this tool to see how much you can save with private flood insurance.


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 Allstate Flood Insurance.

Allstate Flood Insurance, State Farm Flood Insurance, 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 they don’t write the policy. They’ve had a non-compete agreement for many years with the NFIP. This keeps you locked into an expensive policy and thinking there is no other alternative for flood insurance. Heck, your local Allstate insurance agent may even believe this is true.

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 Allstate insurance agent could keep you from getting better coverage or a better price for your flood insurance.

What works well for Allstate 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.

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

Which is cheaper – the Allstate 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 Allstate 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 Allstate 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!


Scroll to Top


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.