Florida flood insurance companies
Reviewed by Matt Williams, licensed Florida insurance agent (2-20 General Lines). Last reviewed November 4, 2026.
Wright Flood is a flood insurer. In Florida it sells NFIP and private flood insurance, as an admitted company, and AM Best rates it A (Excellent).[1][2]
Your lender set the requirement. Nobody set the price.
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Wright Flood is a name on a quote.
What decides your price is your building and your zone.
We check both.
The agent working with ShoutFlood can place Wright Flood and every other flood carrier.
So the advice does not depend on which one you pick.
Products: NFIP flood insurance (Write Your Own), Wright Excess.
Wright Flood also places private flood with Lloyd's, Hiscox, Chubb and Berkshire Hathaway programs.
Wright Flood sells through independent agents.[6]
The 5-point flood check
Your flood zone decides if your lender requires a policy. The price depends on the building: its elevation, its foundation, its first floor and what it would cost to rebuild. Your community's rating can add a discount.
Check my addressEvery NFIP company has to use the NFIP's own rates and give the same coverage. So the same building gets the same NFIP price from any of them.[5]
An NFIP policy usually starts 30 days after you buy it. If you buy it as part of getting, refinancing, extending or renewing a mortgage, it starts at closing with no wait.[7]
Wait for a new private policy at Wright Flood: 30 days for Wright Excess unless required for a loan closing; 7 days for FocusFlood and the other Wright-placed private programs, waived for loan closings; 15 days for ResiFlood.
Lenders must accept a private flood policy that meets the federal definition of private flood insurance. Ask your lender to confirm before you close.[8]
Send your address and the quote. A licensed, independent insurance agent checks it against your building and the other options and replies by email.
We can place this one. The agent working with ShoutFlood can place Wright Flood and every other flood carrier, NFIP and private.
Yes. Wright Flood sells NFIP policies. Every NFIP company has to use the NFIP's own rates and give the same coverage. [3][5]
Yes. Wright Flood's insurance company, Wright National Flood Insurance Company, is licensed in Florida as an admitted company. [1]
An NFIP policy meets a lender's flood requirement when the coverage amount is enough for the loan. Lenders must also accept a private flood policy that meets the federal definition of private flood insurance. Ask your lender to confirm before you close. [8]
