Residential flood
- NFIP + private markets, quoted together
- Building, contents & loss-of-use options
- Satisfies every lender requirement
California-based · Flood-focused · Est. 2012
California floods.
Your premium shouldn’t.
We compare up to nine private flood markets, plus the NFIP when appropriate — and explain the tradeoffs in plain English, including when the federal program is your better fit. Options vary by property, eligibility, and carrier availability.
★★★★★ 4.9 · 900+ Google reviews
40,000+ properties helped
CA License #0L75450
One request, compared across:
FEMA / NFIP
Up to 9 private flood markets
Options vary by property, underwriting eligibility & carrier availability
What to expect
What happens after you click Start My Quote.
No mystery, no phone tree — here’s the actual timeline.
First 2 minutes
Tell us about the property
Complete the secure quote request online, or call and we’ll take it down for you. No obligation either way.
Same business day
A licensed specialist compares your options
We review up to nine private flood markets plus the NFIP where appropriate, then walk you through price, limits, exclusions, waiting periods, and what your lender needs — including when the federal program is your better fit.
When you say go
Choose, bind, and we handle the paperwork
Pay online or have us bill your mortgage company; we send your lender everything they need. Coverage begins after carrier approval, binding confirmation, and payment — often the same day.
Coverage
Flood is all we do — for every kind of property.
Commercial flood
- Buildings, inventory & business income
- Excess layers above NFIP caps
- Multi-location portfolios welcome
Condo & HOA (RCBAP)
- Master policies for associations
- Gap coverage for unit owners
- Board-ready proposals & comparisons
Independent advice
Private flood or NFIP? We compare both — honestly.
There is no one-size-fits-all answer. We look at your property, lender requirements, limits, and budget — then tell you plainly when the federal program is the better fit.
9+NFIPup to nine private flood markets, plus the NFIP when appropriate
Many clients save when we compare. Pricing varies by property, carrier, coverage, and eligibility — so we show you the tradeoffs, not just a number.
| What we compare | NFIP | Private flood |
|---|---|---|
| Building limit (home) | $250,000 cap | Higher limits often available |
| Waiting period | Typically 30 days | Varies — often shorter |
| Loss of use / living expenses | Not covered | Sometimes available |
| Replacement-cost options | Limited | Broader options exist |
Flood zones, demystified
Told you’re in a flood zone? Start with your zone’s guide.
Most people land here because a lender or escrow officer just named their zone. Every zone has a plain-English guide: what it means, whether coverage is required, and what drives your price.
What actually decides your premium
In plain English — no jargon required.
- Your flood zone — the risk level FEMA assigns your address
- Your building — rebuild cost, foundation, and first-floor height
- Your choices — coverage limits and the deductible you pick
- The carrier — the same house prices very differently market to market
Number 4 is why people call us. We compare up to nine private markets plus the NFIP, so you see your best available price — not one company’s take-it-or-leave-it rate.
Reviews
4.9 across 900+ Google reviews. Now on the page.
★★★★★
“Placeholder — pull three current verified reviews from the Google profile before launch.”M. G. Sacramento · Google review
★★★★★
“Placeholder — pull three current verified reviews from the Google profile before launch.”D. R. Long Beach · Google review
★★★★★
“Placeholder — pull three current verified reviews from the Google profile before launch.”S. T. San Jose · Google review
Talk to a flood expert, not a call tree
Every quote is reviewed by a licensed flood specialist.
Aaron J. Farmer has worked in insurance since 1996 and specialized in flood since 2012, helping 40,000+ property owners and businesses. The specialist who reviews your quote is the same team your lender and escrow officer will talk to — and the same team that writes and reviews our guides.
CA License #0L75450
29+ years in insurance
Flood-focused since 2012
NFIP & private markets
Guides & resources
Answers first. Sales pitch never.
Know your options before the next storm.
The secure quote request takes about two minutes — online any time, or a licensed specialist at 855-CAL-FLOOD (225-3566), Mon–Fri 8–5 PT.