A flood desk inside a real insurance agency.
FloodZone Pro is the flood insurance practice of Patriot Independent Insurance Partners, an independent insurance agency. It’s run by Cody Briley, a licensed insurance agent in Texas, as part of the HB3 family of companies.
Why this exists
Flood insurance is the coverage everyone misunderstands and nobody explains. Homeowners get a zone letter from their lender and have no idea what it means. Agents quote it as an afterthought. And the official tools — FEMA’s map service — tell you the letter but not what the letter costs you.
We built the checker we wished existed: the official map, the real claims data for your area, the disaster history for your county, and a straight answer about NFIP vs. private — in plain English, before anyone asks for your email.
What we do
- Translate your flood zone. The free checker pulls FEMA’s National Flood Hazard Layer for your address and tells you what the zone letter means for your mortgage and your premium.
- Show you both markets. We walk you through NFIP and private flood options side by side — limits, waiting periods, price — and let the numbers decide.
- Write the guides we’d want to read. Long, sourced, no insurance-speak. Every statistic cites its source.
What we don’t do
- We don’t sell or bind policies online. A quote is a number on paper until you say yes.
- We don’t file map amendments (LOMAs) or determine your official flood zone — only FEMA does that.
- We don’t sell your information. Quote requests go to our inbox, not a lead auction.
Where we work
We quote directly in Texas and Georgia — our home turf. We also write about flood insurance in Florida, South Carolina, North Carolina, Alabama, Mississippi, California, and Colorado. If you’re outside Texas and Georgia, send your request anyway: we’ll look at it and tell you honestly whether we’re the right shop for your state, and if we’re not, we’ll point you in the right direction.
Licensing
Flood insurance quotes and guidance are provided through Patriot Independent Insurance Partners, a licensed insurance agency. Licensed in TX, FL, GA, SC, AL, MS, NC, CA, and CO. License numbers available upon request — ask us anytime and we’ll send them over.
of America’s highest-risk properties have no flood insurance — and about 40% of NFIP claims come from outside the high-risk zones. That’s the gap we’re here to close, one address at a time.
Sources: GAO, April 2026; FEMA NFIP data.