How to Request a Flood Zone Change: Simplifying Your Path to Lower Flood Insurance Costs
earn how to navigate the process of changing your flood zone designation, potentially saving you money on insurance and increasing your property's value.
Did you know that 40% of property owners are incorrectly assigned their flood zones?
Due to limited resources, government agencies often rely on outdated or inaccurate data to determine flood zone designations. As a result, your property may be unjustly classified, leading to higher insurance premiums and diminished property values. This isn't just an inconvenience—it's a situation that affects your wallet and peace of mind.
Frequently Asked Questions About Flood Zone Changes
For answers to the most common questions regarding flood zone changes, check out our informative video here. We cover everything from eligibility to the application process, helping you find the information you need quickly
Is It Time for a Flood Zone Change?
By simply reviewing your elevation certificate or survey document, we can quickly determine your eligibility for a flood zone change. This could mean not only lower flood insurance premiums, but in some cases, you may even qualify for a waiver of insurance requirements altogether. Let us simplify this process and guide you every step of the way.

What Can a Flood Zone Change Do for You?

Increase Your Property Value
On average, our customers see a property value increase of 10% following a successful flood zone change.

Pay Less for Flood Insurance
Our clients who secure flood zone changes report savings of up to 50% on their insurance premiums compared to the national average.

Protect Your Investment
With an accurate flood zone designation, you can obtain the right flood insurance policy tailored to your property, ensuring you only pay a premium that corresponds to your actual risk.
flood insurance experience
success rate
successful flood zone changes
Affordable Flood Zone Change Services for Residential and Commercial Properties
- Submission of Your Information: We handle all the necessary documentation submitted to the federal government.
- Government Communication: We manage all communications with government agencies to secure your approval.
- Approval Letter Delivery: We send your approval letter directly to your bank when applicable.
- Policy Change Assistance: We provide guidance in processing any policy changes or cancellations you may need following the flood zone change."
Our flood zone change service is $1000 for residential properties and $1500 for commercial properties. The service includes:
- Submitting your information to the federal government
- All government communication to get you approved
- Sending your approval letter to the bank (when applicable)
- Helping process your policy change or cancellation, if you need it
Our money-back guarantee
Our customers have a 95% success rate, but if you’re in the 5% of customers whose change requests aren’t approved, we’ll give you a full refund.
Three Simple Steps to Changing Your Flood Zone
Step 1: Review
We’ll assess your elevation certificate to determine your eligibility for a flood zone change.
Step 2: Document Submission
We gather all necessary documents—such as your deed, elevation certificate, and tax/subdivision plot—so you can focus on other priorities.
Step 3: Completion
Your flood zone change will be finalized within 30–60 days. After that, you'll only pay what you should for flood insurance, if needed.
01: Review
We review your elevation certificate or to determine whether
you’ll be eligible for a flood zone change
02: Submit
We’ll collect documents: deed, elevation certificate, tax/subdivision
plot — we take care of the rest
03: Complete
Your flood zone change will be finalized in 30–60 days. From then on, you’ll pay what you should be for your flood insurance (if you need it at all)

Understand Your Concerns
Owning property is a significant investment, and being designated in a high-risk flood zone can heighten anxiety about insurance costs.
I’ve been in your shoes: Over a decade ago, I purchased a property in a flood zone, only to be quoted a staggering flood insurance premium—$3,000 instead of the $300 it should have been. I nearly walked away from the deal! It turned out my property was zoned incorrectly, and due to my background in flood mitigation, successfully obtaining a flood zone change was a straightforward process for me.
But not everyone is as fortunate, and that’s why we’re here. Our mission is to ensure you are assigned the correct flood zone, so you have the protection and peace of mind you need

WE'VE GOT YOUR BACK
ven if you don’t qualify for a flood zone change, don’t worry—we may still help you save money on your flood insurance policy. At The Flood Insurance Guru, we're here to support you at every stage of the process, ensuring you receive the best guidance tailored to your needs.
Don't Have an Elevation Certificate?
No problem! We can assist you in obtaining the elevation certificate you need to apply for your flood zone change. If you believe you might be eligible for a flood zone change, don’t wait—start the process today, and let us get to work for you