Selling Flood Insurance
Like home, life and auto insurance, flood insurance is an important way to protect your clients and build your business.
Become a flood insurance agent
Learn how to get licensed and start selling flood insurance through the National Flood Insurance Program (NFIP) Direct or the Write Your Own (WYO) Program.
Types of flood insurance
Get clear on flood insurance: what’s covered, what’s not, and how much coverage clients can buy.
Resources for selling flood insurance
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State training requirements
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Find your state’s flood insurance training requirements for becoming an NFIP-authorized agent.
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Starter kit
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Your go-to kit for NFIP basics, brochures, marketing tools and client materials to confidently start selling flood insurance.
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Finding flood insurance clients
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Discover ways to find clients, raise awareness and market flood insurance in your community.
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Marketing and social media
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Use social media to raise awareness and market flood insurance effectively in your community.
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Participate in campaigns
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Explore flood types and access campaigns to show how flooding can impact your clients' communities.
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Talking points
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Get talking points to help clients understand their flood risk and the value of NFIP coverage for homeowners, renters and businesses.
Hear from other agents:
Q: Why do you sell flood insurance?
A: “We want to help clients avoid big problems. It’s important to sell flood insurance because we want to make sure people can recover from any unexpected loss. We go the extra mile to develop a plan to recover from the unexpected.”
Doug Hailey, Flood Insurance Agent (Papillion, NE)Q: What’s it been like working with the NFIP to start claims post-disaster?
A: “It’s been very refreshing to see the NFIP do the right thing when there’s a snag in the claims system. As an agent, I want to be involved with an organization that has common sense and does the right thing. In today’s world that’s not common.”
Paulo Pires, Flood Insurance Agent (Houston, TX)
Why sell, service and support flood insurance?
Help current clients understand how they could benefit from expanding their coverage to include a flood insurance policy. NFIP flood insurance rates do not differ from company to company or from agents to agents, which gives you – and your customers – peace of mind.
Where it can rain, it can flood. This is why talking with your clients about their flood risk and how flood insurance can give them peace of mind after a flood is more important than ever.
Including flood insurance in your portfolio helps you make clients aware of a major gap in their coverage. This builds trust with your clients, helps build community resilience and increases your potential for more sales.
As an insurance agent, your clients trust you to tell them the protection they need and the options they have available. They also expect you to have the technical knowledge needed to accurately sell and service flood insurance.
The top two Errors and Omissions (E&Os) pitfalls are not offering coverage and not offering the right amount of coverage. As a well-trained and motivated flood agent, you can protect yourself from possible E&O-related lawsuits.