Are You Overpaying for Flood Insurance? Most Zone AE Homeowners Are.

Here is what we know after analyzing 23,098 flood insurance policies across all 50 states. The average homeowner in Flood Zone AE is paying between $800 and $3,500 per year for flood insurance. But within that range, the spread is enormous. Two homes on the same street, same flood zone, same year built, can have premiums $1,500 apart.

The difference comes down to a handful of factors that most agents never check and most homeowners never question. You are not going to find out if you are overpaying by calling your agent and asking "am I paying too much?" They will tell you everything looks fine. They always do.

This scorecard asks 8 specific questions about your property, your policy, and your payment history. Based on your answers, we will calculate your **Overpayment Risk Score** on a scale of 0 to 100. The higher your score, the more likely you are leaving money on the table every single month. It takes less than 2 minutes.

Chris Greene, CFIS

Chris Greene, Certified Flood Insurance Specialist, who has analyzed over 23,000 flood insurance policies and knows exactly which factors cause overpayment.