Flood Insurance Overview

Flood insurance is often required when the building structure is impacted by the FEMA high-risk floodplain. Insurance policies are typically backed by Federal (National Flood Insurance Program or NFIP) or Private flood insurance providers. A few questions that should be considered when evaluating your flood insurance quote/needs:
  • Do you currently have flood insurance?
  • How much do you pay for flood insurance?
  • Which company is your flood insurance carrier?
  • Did recent changes to flood maps make you eligible for a cheaper premium?
  • Did recent nearby development increase your risk of flooding?
  • Is the Risk Rating 2.0 system going to be better or worse off for you?
  • Did recent drainage improvements by your municipality reduce the flood risk in your area?
FEMA - Federal Emergency Management Agency
FEMA is a federal agency that is tasked with defining flood risk throughout the United States.
NFIP - National Flood Insurance Program
The NFIP is responsible for providing federally backed flood insurance policies and regulations. Within the past 10 years or so, many private flood insurance providers have been established. Check out the following links for more information:

Recommended Flood Insurance Companies

The following are local flood insurance companies in Florida that provide either private or federally backed flood insurance policies. Be sure to contact a few companies to get the best quote.
Neptune Flood Insurance
Neptune Flood Insurance was founded in St Petersburg, FL and offers private and National Flood Insurance Program (NFIP) policies (federally backed flood insurance policies). Neptune merges technology, math algorithms, and insurance expertise into an innovative flood insurance product. Enter your address on Neptune's website to start your free insurance quote! You can also bind quotes through this interface, and it only takes a few minutes.

Florida Strategic Insurance, FSI
Florida Strategic Insurance focuses on finding the best insurance solution at the best price for their clients. They are constantly striving to make the experience with their clients second to none. FSI has an excellent team that focuses on all aspects of insurance from quoting to servicing in order to ensure that their clients get a fast, helpful response to their needs.

TypTap Insurance
TypTap Insurance was founded in 2016 and funded by HCI Group, Inc. TypTap Insurance modernizes the way you interact with insurance companies. Policies are created with you in mind, are quick to bind, and are built to offer Security, Stability, and Simplicity.


A technology startup from the Tampa Bay area founded by two water resource engineers.


To give the people of Florida the power to make informed decisions by organizing Florida’s latest flood data and making it readily available to all its home buyers.


Our Money Back Guarantee ensures you get the results you expect, Risk Free!
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