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Free Assessment · Tool 3 of 10

Should You Switch from NFIP to Private Flood Insurance? Take This 2-Minute Assessment.

Not every homeowner should switch. But the ones who can are saving an average of $600 to $1,100 per year. Find out which category you fall into.

8 questions · Under 2 minutes
No email required
Instant results
Check My Coverage Now
The Problem

They do not know if private flood insurance is a legitimate alternative for their specific property, zone, and lender.

What Is at Stake

They are afraid of making a mistake. What if they switch and it is worse? What if their lender rejects it? What if there is a catch?

What You Will Learn

Answer 8 questions about your property and current policy. Get an instant recommendation: Switch, Stay, or It Depends.

Private flood insurance is not new. But most homeowners have never been told it exists. Their agent set up an NFIP policy, it goes through escrow, and nobody ever mentions there are alternatives.

Here is the problem with that: NFIP premiums are increasing up to 18% per year under Risk Rating 2.0. Private carriers are not bound by the same rate structure. For many properties, the same or better coverage is available for significantly less.

But private is not always better. Some properties are better off staying on NFIP, especially if they have subsidized rates, specific grandfathering benefits, or risk characteristics that private carriers price higher. This assessment will tell you where your property falls.

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Your Guide

Chris Greene, CFIS

Chris Greene, who has helped thousands of homeowners evaluate the switch and knows exactly which properties benefit most from private flood insurance.

How It Works

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Answer the Questions

 8 quick questions about your property and current policy. No account required. 
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Get Your Score

 Instant results based on patterns found in thousands of flood insurance policies. 
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See Your Next Step

 Specific, actionable guidance based on your score — not generic advice. 

Take the Assessment

⚠ Tool 3 of 10 · Overpayment Risk Scorecard
Question 1 of 8

What is your current annual NFIP premium?

How has your premium changed in the last 2 renewals?

Do you have an elevation certificate?

What is your current building coverage amount?

Has your property ever had a flood insurance claim?

What type of foundation does your home have?

Is your mortgage held by a federally-backed lender?

What state is your property in?

Your Overpayment Analysis

0 RISK SCORE
⚠ Moderate Risk

Calculating...

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 Provide your property details below for a comprehensive premium analysis. Our experts compare your current coverage against private market and NFIP data points to identify the most competitive rates available. Get a precise, honest quote delivered directly to your inbox. 

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