3 Reasons Why Your Getting Different FEMA Flood Insurance Rates

In this video, we explain 3 key reasons why your FEMA flood insurance rates may be different from what you expect under the NFIP. Flood insurance pricing is not always straightforward, and many homeowners are surprised to see varying quotes for the same property.

One common reason is agent knowledge. Flood insurance is highly specialized, and not all agents rate policies the same way. Another factor is that there is no single standard answer from FEMA, as rates can change based on how property details are reviewed and rated. Finally, your home may be placed in the wrong flood zone, which can significantly impact your FEMA flood insurance rate.

In this video, The Flood Insurance Guru breaks down these factors and explains how flood zones, FEMA guidelines, and agent experience influence NFIP flood insurance pricing. Watch the full video to learn how to make sure your flood insurance policy is rated correctly.