Here to Help You Save Money



Correct Inaccurate Flood Zone Classifications 

Obtain Quality Elevation Certificates 

Eliminate or Reduce Unwarranted Flood Insurance Expenses 

Increase Property Value 



An expert opinion may indicate that your high-risk flood zone is wrong, that the National Flood Insurance Program (NFIP) requirement is not justified, and that the property qualifies for reclassification into a low-moderate risk flood zone. 

If your premium is too high, it pays to verify!

We're here to help commercial and residential property owners navigate the complex process of correcting erroneous high-risk flood zone designations. We specialize in the evaluation of structures in Special Flood Hazard Areas and work with FEMA, along with professionals in insurance, risk management, real estate, and lending on behalf of property owners across the United States.

More than 70% of properties reviewed by Flood Insurance Solutions qualified for reclassification into a low-moderate risk flood zone, allowing the owners to add more than $140 million in real estate value and to recapture more than $10 million in flood insurance savings. 


Effective Strategies to 

Manage Risk and the Cost of Coverage


The first step to determine eligibility for reclassification into a low-moderate risk flood zone, where flood insurance is not required. 


A complex process of petitioning FEMA to place a structure into a low-moderate risk flood zone based on property characteristics and other factors not indicated on a FIRM (Flood Insurance Rate Map), commonly referred to as a flood map.


To thoroughly evaluate flood risk and accurately rate a flood insurance policy, you need an elevation certificate free of errors and omissions.


A program that identifies legally available credits, rate options, and significantly increases the value of real estate holdings by reducing annual flood insurance costs. 


Success in Managing Flood Risk

We measure client success by the value we add, the savings we generate, 

and the company we keep: 

  • Single-family Homeowners
  • Commercial Property Owners & Operators (office, retail, industrial, mixed-use)
  • Multifamily Owners & Operators
  • Hotels & Resorts
  • Property Developers
  • Real Estate Investment Trusts (REITs)
  • Realtors
  • Insurance and Risk Management Agents and Brokers
  • Asset Managers
  • Condominium Associations  

What we can do for you?

Our client list speaks for itself. In addition to single-family homeowners, here is a partial list of current and past clients who put their trust in Flood Insurance Solutions for reputable, reliable, and ethical services.

What clients have to say

Specifically, I would like to mention the work recently provided on a large acquisition of five hotels in Key West (FL). Due to your expedited service in obtaining elevation certificates and your knowledge of NFIP, we were able to achieve savings of over $75,000 in annual NFIP premiums.


Risk Management Broker, Dallas, TX

What clients have to say

...much appreciated. all your efforts communicating and being nice!

Duane K.

Single-family Homeowner, Ben Lomond, CA

What clients have to say

As the largest provider of federal flood insurance (NFIP) policies in the U.S., we highly recommend the elevation certificate services. Their national network of licensed surveyors and engineers, combined with their expert knowledge of NFIP rules, ensures that our customers receive accurate elevation documents, which, in turn, enables us to provide properly rated policies. 

Write Your Own (WYO) Flood Insurance Carrier

St. Petersburg, FL

What clients have to say

The benefits …were realized almost immediately. My clients realized the immediate premium savings and ultimately appreciated the fact that the value of their assets increased given the

improvement of the flood determinations and the reduction in flood insurance premiums… . I highly recommend Flood Insurance Solutions, Inc. as a source to address your clients’ flood insurance with and perhaps more importantly, I deem them to be an honest and trustworthy company to improve and rectify your clients’ flood insurance issues. 

Risk Management Advisor

Mahwah, NJ


Q: Why should I obtain a free flood risk evaluation?

The imposition of mandatory flood coverage is not fair and more than 50 percent of high-risk flood zone designations are wrong! A standard flood zone determination merely notes a property's location on FEMA's Flood Insurance Rate Map (FIRM) and fails to identify characteristics unique to individual structures. Many of these maps are outdated. Further, elevation certificate errors and omissions misrepresent a property's actual flood risk and cause an insurance agent to incorrectly rate the flood policy.

Q: What is the cost to evaluate a property?

Not a penny! Flood Insurance Solutions believes that every property owner has a right to know the true flood risk of their home or building. As a public service, we provide this comprehensive evaluation free of charge with no obligation.

Q: What documents do you need to evaluate a property?

To evaluate your property, submit the online property information form, then email or fax your flood insurance declarations page and elevation certificate.

Q: How much does an elevation certificate cost?

The cost of an elevation certificate varies by property location and type. Flood Insurance Solutions has a national network of licensed land surveyors and engineers which allows for fair and competitive pricing. Obtain a no-obligation quote here.

Q: What if the evaluation indicates the high-risk flood zone designation is wrong?

With your approval, Flood Insurance Solutions will petition FEMA to reclassify the property into a low to moderate-risk flood zone. Upon acceptance of our findings, FEMA will issue a Letter of Map Amendment (LOMA) to remove the property from the Special Flood Hazard Area (SFHA).

Q: What is the cost of flood zone reclassification?

For single-family properties, a one-time flat fee of $350; for commercial properties, a one-time flat fee equal to the property's annual insurance premium or amount of premium reduction, whichever is applicable. All fees are contingency based, meaning, you only pay if we're successful in removing the property from a high-risk flood zone or reducing the premium. 

Q: How long does it take to reclassify a property?

Flood zone reclassification is a complex process that can take three months to a year to complete. It is best to evaluate a property at least a year prior to the flood insurance policy renewal date.

Q: So my property is reclassified, how do I save?

Upon receipt of a waiver of the flood insurance requirement from your lender, you can cancel your flood insurance policy and receive a full or pro-rated refund of the premium. You may also choose to obtain a Preferred Risk Policy, which offers coverage at a lower cost. Commercial property owners should inquire whether coverage is available under a master property insurance program. 

We're Here to Work with You!

PH: 1 (561) 922-9735

Fax: 1-866-427-2272

100 E. Linton Blvd., Suite 402B

Delray Beach, FL 33483

Email: [email protected]

Email: [email protected]