Flooding is the most common natural disaster — and your homeowners policy excludes it entirely. Over 1 in 4 flood claims come from outside high-risk zones, and there's a 30-day waiting period, so you can't wait for the forecast. See your exposure and what coverage looks like.
Standard policies exclude flood · 30-day waiting period · NFIP & private markets
Set your home's details and check what applies. We'll show what's at stake with no flood policy, the coverage and limits your home needs, and where your flood risk comes from.
Nothing is stored or shared. Rough estimates are fine.
Not sure? A broker can look up your FEMA zone in minutes.
Illustrative only — flood zones, coverage limits, and premiums depend on your property, elevation, and carrier (NFIP or private). This is not advice or a quote; your First Underwriters broker confirms the right program.
Flood is a separate policy with its own rules. Click each to see what it does — and the part people get wrong.
We're an independent brokerage that has protected PNW homes since 1992 — with access to both the NFIP and a growing private flood market.
We shop the National Flood Insurance Program and private flood carriers — often finding higher limits or better pricing than NFIP alone.
We read your FEMA flood zone, base flood elevation, and elevation certificate to structure coverage — and to argue for better rates.
Because coverage takes 30 days to start, we help you put it in place well before you need it — not when a storm is on the radar.
Share a few details and a First Underwriters broker will check your flood zone, shop NFIP and private options, and follow up — usually within one business day.
A First Underwriters broker will reach out shortly, usually within one business day, to check your flood zone and build the right program.
First Underwriters Insurance Brokers is an independent brokerage. This page — including the interactive Flood Risk & Coverage Estimator — is for general education only and is not an insurance quote, binder, or offer of coverage. Flood coverage is generally subject to a 30-day waiting period; NFIP building/contents limits and private flood options, eligibility, and premiums vary by property, flood zone, elevation, and carrier. Coverage is subject to policy terms, conditions, and exclusions.
