Get a quote for flood insurance at your residence:
www.floodsmart.gov/policy-quote
Association of State Floodplain Managers:
FEMA Launches DIY Quoting Tool for Flood Insurance
By News Editor December 5, 2024
On November 18, FEMA released its Direct-to-Consumer (D2C) online quoting tool. Available on the FloodSmart.gov website, this tool allows you (e.g., property owners to floodplain managers) to create an NFIP flood insurance quote based on a home’s address and simple characteristics of the home. For homeowners and renters, the tool uses the same risk rating engine that insurance agents use; therefore, it should create the same quote as if an insurance agent created it.
The quoting tool uses defaults built into the rating system for variables like building replacement cost and First Floor Height (remember: the NFIP rating methodology no longer uses flood zones and Base Flood Elevation as rating variables!). It does allow you to add in mitigation activities (e.g., flood vents, elevating machinery and equipment) so you can see what discounts in insurance premium they could result in. Unfortunately, it does not allow you to change elevations; so, you (or a floodplain manager wanting to give advice) cannot see what the financial benefit would be to elevate your home X feet higher. We hope this feature is included in future iterations.
After entering about 10 pieces of information and the limits you want, you can generate a quote based on the deductibles you chose. This quote can be printed, emailed to your insurance agent (you provide the email address) or sent to one of three listed agents that service your area. These agents have signed up to receive quotes and have been verified by their Write Your Own insurance company. If you’re an agent, you can register here.
Although D2C tool generates a quote without using an insurance agent, you should always talk with an agent. This way you can confirm you have the best coverage for you and inputted the correct information to obtain your quote.
