Where is your property?
Enter the address of the property you want to insure.
Property Address
Please enter your property address
ZIP Code
We're not currently licensed in
. You can still get an NFIP quote at
FloodSmart.gov , or continue and we'll connect you with a licensed agent in your state.
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Tell us about your building
These details help us generate the most accurate quote comparison.
Number of floors above ground
Count only floors above ground level. Do not include basements, crawlspaces, or enclosed areas below the building.
📌 You selected basement — we already have that. Just count the floors above ground here.
Is this your primary residence?
🏡
Yes
I live here most of the year
🏠
No
Second home, rental, or seasonal
Are you the unit owner or a renter?
🔑
Unit Owner
I own this unit
Which floor is your unit on?
Total floors in the building
Unit Square Footage (interior only)
Does the condo association have a master flood policy?
If yes, we'll coordinate with the master policy when quoting.
Is this your primary residence?
🏡
Yes
I live here most of the year
🏠
No
Second home, rental, or seasonal
How many units are in the building?
Do you live in one of the units?
This affects which flood insurance form applies.
🏡
Yes — I live in one of the units
Owner-occupied
🔑
No — all units are rented out
🏚️
No — building is vacant or under renovation
Number of floors above ground
Are any units used as short-term rentals (Airbnb / VRBO)?
This can affect coverage eligibility with private carriers.
Are any units used for commercial purposes (storefront, office)?
Mixed-use buildings need a different policy form.
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Coverage details
Select your desired coverage amounts. Not sure? Pick "Recommend for me" and we'll advise.
Is this for a home purchase?
🔑
Yes — buying a home
No waiting period at closing
🏠
No — I already own it
Standard waiting period applies
Building Coverage
Select... $100,000 $150,000 $200,000 $250,000 (NFIP Max) $300,000+ Recommend for me NFIP max is $250K building. Private can go higher.
Contents Coverage
Select... $25,000 $50,000 $75,000 $100,000 (NFIP Max) $150,000+ Recommend for me NFIP max is $100K contents.
Preferred Deductible
Select... $1,000 $1,250 $2,000 $5,000 $10,000 Recommend for me Higher deductible = lower premium. NFIP minimum is $1,000-$1,250.
Do you have an elevation certificate?
An elevation certificate can lower your premium. Not required but helpful if you have one.
Any prior flood claims on this property?
Prior claims can affect your premium. If unsure, select "Not sure."
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Last step — where should we send your quote?
Enter your contact info to see your estimated premium range and have a specialist follow up with an exact NFIP vs. private comparison.
How did you hear about us?
Select... Google Search Mortgage Lender Realtor Agent Referral Friend / Family Social Media Other
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See My Estimate & Get My Quote →
🔒 Your information is kept private and only used to prepare your flood insurance quote. We never sell your data. Insurance services provided through Kevin Huggett Agency Inc., Oconto, WI.
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Your Quote Request Is In!
FEMA Flood Zone
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Estimated Annual Premium Range
$600 – $1,400
Based on properties similar to yours. Private flood may be lower.
⚠️ This is only an estimate based on the information you provided. One of our flood insurance specialists will review your details and reach out with a completed and more accurate quote comparing both NFIP and private flood options. Submitting this form does not bind coverage or create an insurance policy. Most flood policies have a waiting period of up to 30 days before coverage begins.
What happens next: A licensed specialist will call you within 1 business day to review your property details and present your NFIP and private flood options side by side.
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