Find Out Exactly How Much Flood Insurance You Need
Our tool calculates your ideal flood coverage based on your home’s size, location, and flood risk. Don’t settle for bank minimums—get full protection.
What Your Bank Requires vs. What You Actually Need
Most lenders only require coverage for your loan balance, but that’s not enough to fully rebuild your home.
Example: If your home is worth $350,000 but your mortgage is $200,000, the bank may only require $200,000 in coverage—leaving you $150,000 short in a total loss.
The Danger: If you only get what your lender requires, you could be forced to pay out of pocket after a flood.
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Find Out How Much Flood Insurance You Need
Do You Want Full Rebuilding Costs—Or a Partial Payout?
💡 Breakdown of Coverage Options:
| Replacement Cost (RCV) | Pays for full rebuilding costs | Recommended ✅ |
| Actual Cash Value (ACV) | Pays only for depreciated value | Risky ❌ |
Example Scenario:
Your roof costs $30,000 to replace, but if it’s 15 years old, ACV might only pay $12,000
Solution: Make sure your coverage is based on replacement cost, not ACV
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Replacement Cost: What’s the Difference?
Find Out How Much Coverage You Actually Need
Don’t guess. Don’t rely on the bank minimum. Get a data-backed recommendation
What You’ll Get:
✅ Your recommended flood insurance amount
✅ A breakdown of why you need that coverage
✅ A comparison of bank minimum vs. full protection
📊 How It Works (Simple 3-Step Process)
Enter your home details (square footage, number of stories, location)
Our tool calculates your recommended coverage
Get an instant estimate of how much flood insurance you need