Buy Residential Flood Insurance Online
Explore building and contents protection, deductibles, available enhancements, and effective-date options for an eligible home, condominium unit, or residential rental property.
Residential and commercial flood
Quote and Buy Flood Insurance Online
Protect a home, business, apartment building, or investment property with a dedicated flood policy. Compare available private-market, FEMA, and excess options through the Cox & Associates online flood platform.
Online flood quote and purchase
Protect a home or business property online.
Eligible residential and commercial property owners can compare available flood options, select coverage, and complete a purchase through our online flood platform.
Buy Commercial Flood Insurance Online
Quote eligible non-residential buildings and contents online, with available private-market features that may include higher limits and business-interruption protection.
Eligibility, limits, optional coverages, deductibles, pricing, waiting periods, and availability are determined during the online application. Review the quotation and policy terms before purchase.
Choose the property path
Flood protection for homes and commercial property.
Compare the actual property, values, desired protection, waiting period, deductible, and available terms—not just the mapped flood zone.
Homes & Residential Property
Quote eligible private or FEMA flood protection for a home, condominium unit, or residential rental.
Explore Residential Flood →Commercial Property
Quote eligible buildings, contents, and available business-interruption options for a business or investment property.
Explore Commercial Flood →Private & Excess Flood
Explore private-market protection and limits above qualifying underlying flood insurance for eligible property.
Compare Flood Paths →Have the property information ready.
- Property address, occupancy, and building use
- Building and contents values
- Foundation type, lowest floor, and number of stories
- Prior flood losses and mitigation improvements
- Current flood policy and desired effective date
- Elevation information, lender instructions, or closing date when available
Flood insurance resource center
Make a more informed online purchase.
Understand building, contents, business interruption, loss of rents, excess limits, waiting periods, elevation information, and closing requirements.
Private Flood Insurance Online
Learn how eligible home and commercial property owners can quote and purchase private flood insurance online.
Read This Flood Guide →Residential Flood Building and Contents Coverage
Understand separate building and contents limits when buying residential flood insurance.
Read This Flood Guide →Temporary Living Expense After a Flood
Explore private flood options that may help with eligible temporary living expenses after covered flood damage.
Read This Flood Guide →Commercial Flood Building and Contents Limits
Plan flood limits for an eligible commercial building, business contents, inventory, and tenant improvements.
Read This Flood Guide →Flood Business Interruption Coverage
Learn how available private flood options may address eligible business interruption after covered flood damage.
Read This Flood Guide →Flood Insurance Waiting Periods and Effective Dates
Understand why flood insurance waiting periods and requested effective dates should be reviewed before a storm approaches.
Read This Flood Guide →Flood Insurance and Elevation Certificates
Learn when elevation information may help a residential or commercial flood quote.
Read This Flood Guide →Flood Insurance Before a Real Estate Closing
Prepare flood insurance for an eligible home or commercial property purchase without waiting until closing day.
Read This Flood Guide →Apartment Building Flood Insurance
Quote flood insurance for an eligible apartment building and evaluate building, contents, and loss-of-rents options.
Read This Flood Guide →Multi-Location Commercial Flood Insurance
Organize apartment, hotel, motel, condominium-association, or commercial buildings for a coordinated multi-location flood submission.
Read This Flood Guide →Excess Flood Insurance Limits
Explore excess flood limits above qualifying underlying coverage for higher-value homes, businesses, apartments, and condominium associations.
Read This Flood Guide →What to Do After a Flood Loss
A practical flood-claim checklist for safety, reporting, documentation, temporary protection, adjustment, and payment.
Read This Flood Guide →Flood insurance questions
Know what to consider before the water rises.
Is flood damage included in a standard property policy?
Standard homeowners and commercial property policies commonly exclude or restrict flood damage. Review the actual policy and consider separate flood insurance.
Can I quote and purchase flood insurance online?
Eligible residential and commercial properties can complete an online flood quote and purchase. The application determines available options, pricing, terms, waiting periods, and effective dates.
What are private and excess flood options?
Private flood coverage is issued outside the federal program. Excess flood coverage can provide limits above qualifying underlying protection. Availability and terms vary by property.
Do properties outside high-risk flood zones need coverage?
Flooding is not limited to high-risk mapped zones. Drainage, rainfall, nearby water, elevation, development, and changing conditions can create exposure in many locations.