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Private flood insurance

Get your flood quote started

Answer a few questions about your property. A licensed flood insurance specialist will review everything and prepare your quote — nothing here binds coverage.

Where's the property?

We'll check FEMA's flood maps for this address automatically.

Please enter the property address.

What are we quoting?

Private flood insurance is the leading alternative to the NFIP — usually broader coverage, often at a better price.

Policy type
Building type

Quick eligibility check

Two questions that determine which programs your property qualifies for.

Is this a manufactured or mobile home?
Manufactured and mobile homes follow different underwriting rules. Don't worry — finish the intake and a specialist will confirm which programs fit.
Any prior flood losses at this property?

Count anything paid by the NFIP, a private flood insurer, or out of pocket since the home was built.

Tell us about the most recent loss

Tell us about the building

These details drive the rate — the more accurate, the better your quote.

Enter a year between 1651 and 2026.
Construction type
Occupancy
Do you have an elevation certificate?

What's this? A survey document showing your building's elevation. It can lower your rate — if you have one, a specialist will ask for it when preparing your quote. (Construction drawings or unfinished-building surveys don't count.)

How is the home used?

Count finished floors only — don't count enclosures, crawlspaces, or basements. More than 3? Enter 3.

Enter 1, 2, or 3.
Foundation type
Please choose the foundation type.

What kind of crawlspace?

If the crawlspace floor is more than 2 ft below grade — or more than 5 ft below the floor above — choose Basement instead.

What kind of elevated foundation?

Raised less than 8 feet? Choose Slab on Grade or Crawlspace instead.

Front-door stairs

Choose your coverage

Slide to the amounts you want. These are starting points — your specialist will fine-tune them.

$250,000
$50K$15M max available
$100,000
$0$500K
Deductible — what you'd pay out of pocket on a claim

Optional add-ons

Extra protection beyond the standard policy.

$0
$0 (none)$100K
$0
$0 (none)$20K

The standard policy doesn't cover in-ground pool repair and refill costs.

$0
$0 (none)$50K

Reimburses 75% of covered temporary living expenses, up to your limit.

Replacement cost on contents?
Outdoor trees, shrubs & plants?

Pays only when the same flood also causes covered damage to the building itself.

Where should we send your quote?

A licensed specialist prepares every quote by hand — this is who they'll contact.

First name is required.
Last name is required.
Enter a valid email address.
Enter a valid phone number.
Adding a co-applicant? (optional)

Billing & delivery

How you'd like to be billed and receive your policy documents.

Bill the first payment to
Bill renewals to

Heads up: lenders generally require flood insurance to be escrowed when the property is in a high-risk zone (A or V zones).

How should we deliver policy documents?
Is your mailing address the same as the property address?
Do you have a mortgage or lienholder? (optional)

Review your request

Make sure everything looks right. Nothing is bound until you approve a finished quote.

✓

Request received

Thanks — a licensed flood insurance specialist will review your property details and prepare your private flood quote. Expect to hear from us within one business day.

This request does not bind coverage. Coverage is subject to policy terms, conditions, and underwriting approval. FloodZonePro provides flood insurance quotes and guidance through Patriot Independent Insurance Partners, a licensed insurance agency.