Most homeowners policies exclude flood damage. Check your address and see your flood coverage options in a few minutes, right here, no phone call required. When you are ready, we handle the paperwork and the carrier confirms the date your coverage starts.
Enter the property address. It takes about a minute.
Quotes on this page are produced by Neptune Flood Incorporated, a managing general underwriter, and are placed with one of its underwriting carriers. Jacobs Insurance Agency, LLC is an independent agency and is not affiliated with FEMA or the National Flood Insurance Program.
Quotes shown are estimates for informational purposes only. Final premium, eligibility, and effective date are determined by the insurance carrier. Waiting periods differ by program: NFIP coverage generally begins 30 days after purchase, with limited exceptions set by FEMA, including flood insurance bought in connection with making, increasing, extending, or renewing a loan. Private flood carriers set their own waiting periods. Your actual effective date is set by the carrier and shown on the policy or binder. Submitting the form does not obligate you to purchase coverage.
Enter your address and answer a few basics. Flood pricing is based on your specific building, not just the FEMA flood zone printed on a map, and no Elevation Certificate is required to buy.
The instant quote above is a private flood quote. Ask us and we'll run a National Flood Insurance Program (NFIP) quote next to it. Private policies can go above the NFIP limits and can cover things the federal program never does, like temporary housing.
NFIP policies generally take 30 days to take effect, and private carriers set their own waiting periods. We prepare the paperwork and confirm the effective date the carrier assigns.
Flood maps change, and from 2014 to 2024 nearly one-third of NFIP flood insurance claims came from outside high-risk flood areas (FEMA, FloodSmart.gov). Give us your address and we'll walk through your actual risk, what your lender requires, and what the coverage would look like. Five minutes, Monday through Friday, 8 to 5 Central.