Why We Believe What We Believe
Your Flood Zone Doesn't Determine Your Rate — Your Risk Does
The flood insurance industry runs on bad information. We built The Flood Insurance Guru to change that — through education, transparency, and 15 years of protecting homeowners from what they don't know.
The Problem Nobody Talks About
Every day, homeowners get told the same thing: you're in a flood zone, so your insurance is going to be expensive. Real estate agents repeat it. Mortgage lenders repeat it. Even most insurance agents repeat it.
And most of the time, it's wrong.
The flood insurance industry has been built on a foundation of misunderstood zones, outdated maps, and agents who don't specialize in flood. Homeowners end up overpaying by thousands of dollars a year — or worse, buying a home without understanding their actual risk and getting blindsided when the water comes.
This isn't a minor inconvenience. It costs families their savings, their homes, and their peace of mind. And it's been happening for decades because nobody took the time to educate instead of just sell.
Partnering with the Experts
A message for Realtors and Brokerages
Where This Mission Started
This didn't start with a business plan. It started with water.
In 1990, the Great Flood hit Augusta, Georgia. I watched my dad evacuate his flooded vehicle as the water rose around him. I was a kid, and in that moment, flood risk stopped being an abstract concept. It became something I understood in my bones — the kind of thing that changes how you see the world.
That experience led me into emergency management and flood mitigation. I earned a Master's degree in it. I became a Certified Flood Insurance Specialist. I spent years studying how floods actually work — not the simplified version most people hear, but the real mechanics of risk.
Then I tried to buy my first home.
The insurance agent and the real estate agent both gave me wrong information about my flood zone. Based on what they told me, I was looking at $3,750 a year in flood insurance premiums. That would have killed the deal. I would have lost the home.
But because of my background — because I knew what questions to ask and what to look for — I caught the mistake. The actual premium? $300 a year.
A $3,450 difference. Because of knowledge.
And that's when it hit me: if someone with my expertise almost got burned, what chance does a regular homeowner have?
That's the day The Flood Insurance Guru was born. Not as a business — as a mission. To make sure no homeowner loses their home or overpays by thousands because they were given the wrong information by people who didn't specialize in flood.
Videos
Served
Expertise
Education
When you understand your actual flood risk, you stop overpaying for insurance and start making decisions that protect your home and your wallet for the long term.
What We Believe About Flood Insurance
These aren't marketing slogans. They're the principles we've proven across 20,000+ clients, 5,000+ educational videos, and 15 years of doing nothing but flood insurance.
Understanding your flood risk matters more than your flood zone.
Flood zones are categories on a map. Your actual risk depends on your distance to water, your elevation, and property replacement cost. Two homes in the same zone can have wildly different premiums.
Long-term rate stability comes from education, not just a policy.
Anyone can sell you a flood insurance policy. But if you don't understand what's driving your rate — and what you can do about it — you're at the mercy of every rate change, every map update, and every FEMA decision. Education gives you control.
The industry fails homeowners through bad information.
Most insurance agents don't specialize in flood. Most real estate agents have never read a flood map. The result is homeowners getting told things that are flat wrong—about their zones, their rates, and their risk. We exist because the system wasn't built to educate you—it was built to process you.
Flood insurance doesn't have to be a mystery.
Every homeowner deserves to understand what they're paying for and why. Not in insurance jargon — in plain language. What's your actual flood risk? What drives your premium? When you understand the answers, you make better decisions.
Buying in a flood zone isn't the problem — buying blind is.
We've helped 20,000+ homeowners in flood zones. The zone isn't what hurts you — it's not understanding what the zone actually means for your specific property, your specific risk, and your specific rate. Knowledge turns a scary situation into a manageable one.
What This Looks Like When You Work With Us
Our beliefs aren't just words on a page. They shape every conversation, every policy, and every piece of content we create.
We analyze your actual flood risk
Not just your flood zone — your distance to water, elevation, and every factor Risk Rating 2.0 uses to calculate your premium.
We compare every option available
NFIP vs. private flood, different coverage levels, and mitigation strategies. We lay out every path so you can make an informed decision.
We educate before we sell
Over 5,000 videos and real client data. We answer your questions before you ask them — because trust is built through transparency.
We build for long-term stability
Your insurance shouldn't be a surprise. We structure your coverage so you know what to expect — this year, next year, and five years from now.
Who We're Built to Serve (And Who We're Not)
We specialize in flood insurance. That's all we do. And that focus means we're the right fit for some people and not for others.
✓ We're built for you if —
✕ We're probably not the fit if —
Find Out What Your Flood Insurance Should Actually Cost
If the way we think about flood insurance resonates with you, let's look at your property and show you exactly where you stand — your real risk, your real options, and your real rate.
Get Your Flood Risk Assessment → No pressure. No jargon. Just the truth about your flood risk.Expert Guide: Avoiding Costly Coverage Errors
Featuring Chris, The Flood Insurance Guru