Compare NFIP and Private Flood Insurance Quotes in One Place
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NFIP vs Private Flood Insurance: One Quote, Two Options
One agency, NFIP and private flood insurance companies: our portal lets you compare flood insurance quotes from both instantly, so you can make an informed decision based on your specific needs and budget.
NFIP Flood Insurance
Government-backed flood insurance with standardized rates and federally guaranteed claims
Private Flood Insurance
Private market flexibility with customizable premium coverage options and faster claims processing
Seamless Switching
Already Have Flood Insurance? Compare and Switch
Our flood insurance experts make switching simple—seamless transitions, stress-free coverage, and the confidence of knowing you're protected.
+150 years
Insurance Experience in the Agency
40 years
In Business
All 50 States
Nationwide coverage
97%
Customer Satisfaction
21 year
Average Customer Loyalty
Flood Insurance in All 50 States
Your home is your biggest investment—did you know just one inch of floodwater can cause up to $25,000 in damage? Protect your home with flood insurance you can trust.
Stay protected with a comprehensive flood insurance plan tailored to Your Location.
Select a state
Already Have Flood Insurance? Seamless Switching Made Simple
Compare your current coverage with our NFIP and Hiscox options. Our experts make switching stress-free with better coverage and competitive rates.
Quick. Personalized. Comprehensive.
How to Get a Flood Insurance Quote in 3 Steps
Buy flood insurance online in three simple steps.
Get an Instant Quote
Answer just a few questions and get instant quotes from both NFIP and Hiscox coverage options.
Compare NFIP and Private
Review your options side-by-side. Customize coverage levels, add benefits, and get expert recommendations on what works best for your property.
Choose Coverage and Buy Online
Select your preferred coverage and get instant protection. Our team handles all the paperwork and ensures seamless activation.
97% Customer Satisfaction Score from Smart Homeowners Who’ve Saved with Advantage Agency!
Quick Quotes, Expert Guidance, and Personalized Help Every Step of the Way
Licensed Flood Insurance Agents, End to End
Get Quote in 10 Seconds
Two simple clicks is all it takes. Our streamlined process delivers instant quotes from both NFIP and Hiscox options.
Compare Smart. Select Right
Government (NFIP) and Private (Hiscox) insurance in one portal. Compare side-by-side to find your perfect match.
Customizable Options
Personalize your coverage with flexible options that fit your budget and protection needs.
Get Quote in 10 Seconds
Two simple clicks is all it takes. Our streamlined process delivers instant quotes from both NFIP and Hiscox options.
Compare Smart. Select Right
Government (NFIP) and Private (Hiscox) insurance in one portal. Compare side-by-side to find your perfect match.
Customizable Options
Personalize your coverage with flexible options that fit your budget and protection needs.
Flood Insurance Guides
Expert insights to help you make informed decisions
Flood Insurance FAQs
Find quick and reliable answers about flood insurance.
- 01
How do I get a flood insurance quote online?
Enter your property address in the quote box at the top of this page. In about 10 seconds you'll see NFIP and private flood insurance options side by side, so you can compare coverage and buy online.
- 02
What is the difference between NFIP and private flood insurance?
NFIP flood insurance is backed by the federal government, with standardized rates and coverage limits. Private flood insurance is offered by private carriers that set their own rates and can offer higher limits and extra coverage. Advantage Flood quotes both so you can compare them. Read NFIP vs private flood insurance to learn more.
- 03
How much does flood insurance cost?
Flood insurance premiums are calculated based on various factors including the property's location, flood risk, the structure's age and design, and the chosen coverage amount and deductible. See our flood insurance cost guide to learn more.
- 04
How much flood insurance do I need?
Enough to rebuild your home and replace your belongings after a flood. Our experienced agents will help you understand the replacement cost of your home and the coverage you need to protect your assets, so you can make an informed decision.
- 05
Is flood insurance required?
Flood insurance is required if you have a federally backed mortgage on a building in a high-risk flood zone (a Special Flood Hazard Area, or SFHA). Lenders can also require it in other zones. See is flood insurance required? for the details by flood zone.
- 06
Does homeowners insurance cover flooding?
No. Standard homeowners insurance policies exclude flood damage, so you need a separate flood insurance policy to be covered. Learn more about homeowners insurance and flood coverage.
