Compare flood insurance for your home

Start with your property address and we prefill your flood zone and details. Real rates from NFIP and private flood carriers - free, online, no obligation.

Enter your property address to start

No junk mail • No spam calls • Free quotes • NFIP & private flood

Skip the typing — let Roxy fill it in

Upload your current declarations page and Roxy, our AI assistant, reads it and prefills your property details and coverage automatically.

No dec page handy? No problem. Roxy walks you through a few quick questions in plain language and lines up your flood quote from NFIP and private carriers — so you get to real rates faster, with less typing and fewer forms. Have a question along the way? Just ask.

Chat with Roxy

How it works

1
Enter your property address
We pull your flood zone, elevation, and property details to prefill your application - or upload your current dec page.
2
We compare flood carriers
NFIP and private flood markets, side by side, so you see real options - not a single take-it-or-leave-it quote.
3
Pick your rate and get covered
Bind online or with a licensed Insurox agent. Most policies can be effective in as little as a few days.

What flood insurance covers

Building coverage

Protects the structure itself - foundation, walls, electrical, plumbing, and built-in appliances - up to your policy limits.

Contents coverage

Covers your belongings: furniture, electronics, clothing, and other personal property damaged by flooding.

NFIP & private flood

We shop both the National Flood Insurance Program and private flood carriers to find the right fit and price for your property.

Most standard home insurance policies do not cover flood damage. A separate flood policy is what protects you when water rises - and in many areas it costs less than people expect.

Why homeowners choose Insurox

NFIP and private markets, one form

Most sites quote only NFIP. We compare the federal program against private flood carriers so you don't overpay.

A licensed agency - not a lead seller

Insurox is a licensed insurance agency. We quote and bind your policy ourselves, and we never sell your information.

Online or with a real agent

Self-serve the whole way, or hand off to a licensed Insurox agent who knows flood zones when you want help.

Ready to protect your home?

Compare NFIP and private flood carriers in one free, no-obligation quote.

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Prefer to talk? Call (888) 546-1099 - Mon-Fri, 9am-5pm ET