Flood Insurance Videos
Short explainers on the rules that drive your premium — recorded by a licensed flood specialist.
Reviewed by Aaron J. Farmer, licensed flood specialist CA License #0L75450 · Last reviewed July 30, 2026
Flood insurance is full of terms that are easier to show than to explain. These are recorded by Aaron J. Farmer, our founder and a licensed flood specialist since 2012 — the same person who reviews the quotes we send out. The rules covered here are federal, so they apply to your property whether it sits in Florida, Texas, or anywhere else we write.
Private flood vs. the NFIP
The comparison that decides most people’s premium. Full written breakdown: Private vs. NFIP.
How much coverage you actually need
Why the NFIP’s $250,000 cap is the wrong number for most homes — and what to do about it: excess flood insurance.
Base Flood Elevation, explained
BFE drives your rate more than almost anything else. See also: elevation certificates in 2026.
Flood Zone X — the “low-risk” zone that floods
A large share of flood claims come from outside high-risk zones.
The mortgage clause
Why your lender appears on your policy, and what that means at claim time. See also: what your lender will require.
Carrier ratings — why they matter
Not every flood carrier is equally able to pay a catastrophe year. We place business with “A”-rated markets, including Lloyd’s of London.
Aaron Farmer interviewed by A.M. Best
An industry conversation about the private flood market, with the rating agency that grades the carriers.
“We didn’t have flood insurance?!”
The conversation nobody wants to have after the water goes down.
Questions the videos don’t answer?
Call 855-225-3566, Mon–Fri 7:30–5 PT, or start a quote — about two minutes, and a licensed specialist compares the NFIP against up to nine private markets for your property.
Get a flood quote for your property
A licensed specialist compares available private markets and the NFIP, then explains the options in plain English — including when the NFIP is the better fit.