National Flood Insurance Program (NFIP)

NFIP Flood Policies Paired with Superior Customer Service

Get the right combination of competitive commissions and exceptional customer service to help you build and retain your flood book over the long term.

Differentiating Flood Support for Standardized Products

With ever evolving weather patterns and climate change, extreme weather is the norm yet we're still not prepared for flooding events. According to the National Flood Services, flooding causes more damage than fires, and is currently the most costly natural disaster we face in the United States - averaging $2.4 billion annually. 

Every property owner should be prepared and have flood insurance to protect themselves from the unexpected. At Assurant, we provide the tools to make that possible; but you’re the one property owners look upon for guidance about their flood policies and coverage options.

Though the National Flood Insurance Program’s products are standardized, the support you and your customers get from Assurant isn’t. We help you deliver exceptional customer experiences and coverage options — because we treat your customers like they’re ours.

The Core Flood Products You Need - and Then Some


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Single family homes

Two-to-four family homes

Units in residential condos

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General Properties

Buildings with 5+ units

Non-residential structures

Non-residential condos

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Issued to residential condo association on behalf of the association or owners


What Your Flood Book Gets with Top-Tier Support

Protect Your Customers Against Flood Disruptions

As the No. 2 largest Write Your Own provider and an original member of the NFIP, we bring a lot to the table when it comes to giving your customers the experience they deserve when they need it most.

With Unmatched Flood Policies That Include

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Superior Claims Management

18,000+ claims were processed at Assurant last year, most of them closed faster than industry averages
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In-House Processing

Policyholders get a seamless customer experience since underwriting and servicing are all down in house 
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Top Industry Expertise

Compliance and industry expertise backed by 40 years' experience and boots-on-the-ground in D.C.
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Premium Customer Service

Win and retain business with the award-winning customer service your community deserves

Flood Wrap & Excess Coverage for Residential Customers

  • Complements an NFIP policy by providing increased amounts on NFIP coverage limits.
  • Offers optional excess flood coverage up to $500,000 above the NFIP’s limit.
  • Pays up to $5,000 for personal property and $5,000 for real property damage in basements per occurrence.
  • Pays up to $2,500 for flood damage to golf carts and up to $1,000 for trailers per occurrence.
  • Pays Loss of Use/Temporary Living Expenses — up to $100 per day or $2,000 per month for a maximum of $20,000 per occurrence — if the home is flooded due to a covered loss and declared unlivable.
  • Additional deck and handicap ramp coverage of $2,500.

Flood Industry Insights

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NFIP vs. Private Flood

The private flood market has grown ~30% since last year. What's next?
Assurant Flood Solutions

Retaining PRPs at Annual Renewal

More than 65% of preferred risk policies (PRPs) drop at the first annual renewal.



Exclusive Product: FlexCash

Offer a discretionary payout of up to $10,000 to help with coverage gaps.

Ready to contact a flood expert?