homeowners never covers floods.
The most expensive sentence in insurance: 'I thought my home policy covered that.' Flood damage is excluded from every standard homeowners policy — coverage comes from the NFIP or private flood markets, and in much of Colorado it's surprisingly cheap.
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flood insurance, done right.
nfip & private options
We quote both — private flood frequently beats NFIP pricing for Colorado properties.
building & contents
Two separate coverages; renters can buy contents-only.
low-risk ≠ no-risk
Over 20% of flood claims come from outside high-risk zones — where the coverage is cheapest.
good to know, colorado edition.
Burn scars change everything: post-wildfire flash flooding has hit Colorado communities far from any floodplain. If you're near a recent burn area, flood coverage stops being optional. Note the 30-day NFIP waiting period — buy before the season, not during the storm.
price it for me →
asked constantly.
My lender doesn't require flood insurance. Do I need it?
Requirement and risk are different questions. Low-risk-zone pricing is modest precisely because the risk is low — but Colorado's burn-scar flooding has rewritten 'low risk' in many areas.
How long before coverage starts?
NFIP policies carry a 30-day wait (with limited exceptions); private markets can be faster. Either way: buy before the forecast, not after.
What does flood insurance actually cover?
Building coverage rebuilds the structure; contents coverage replaces belongings. Basements have special rules — we'll walk your property through them.
two minutes to real numbers.
Free flood insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.