Comprehensive coastal flood & surge insurance

Whether it’s surge, rain, or river-based flooding, we’ll have your property covered. We offer flood capacity for homes and small commercial real estate in even the highest risk flood locations.

iDemand Flood & Surge

Floods damage more homes in the US than any other natural disaster. That’s why we have a comprehensive flood policy to ensure that you’re covered.

iDemand Flood is tailored to fit your needs. You decide the coverage limit. You decide any other limits you want included. All we need is your address and you’ll have a quote in minutes.

Full Coverage

Most flood insurance policies are offered under the National Flood Insurance Program, which only covers a fraction of your home's value. As a private market solution, our products allow you to choose your building coverage limit and coverage for certain contents inside your home.

Tech Enabled

We use data gathered with lidar technology to assess the risk of flooding at your location. We have higher confidence as a result of this data, and therefore can offer a lower price. Combining this data with structural characteristics of your home, inferred from your address, we can give you a quote in seconds.

Personal

Small Commercial

Hawaii
Texas
Louisiana
Mississippi
Alabama
Florida
Georgia
South Carolina
North Carolina

Do I need flood insurance?

Although your home may be in a low risk zone, it is not a no risk zone. Flood zone classifications are largely based on elevation data gathered through manual surveys. In a major flooding event, such as a hurricane, low risk zones are often significantly impacted.

Homeowners and renters insurance usually does not cover flood damage and many flood policies do not cover the full value of your home. The majority of policies in the United States are offered through the National Flood Insurance Program, which caps their maximum payout at $250,000.

Although FEMA does deploy resources when a National Disaster is declared, an average person would receive a fraction of what it would take to rebuild their home.

Homes and businesses in high risk areas with mortgages from federally regulated or insured lenders are typically required to have flood insurance. If the building is in low- or moderate-risk areas, requirements will vary by lender.

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