Know Your True Flood Cost
FEMA Risk Rating 2.0 is repricing flood insurance for millions of properties. Our model projects your 10-year premium trajectory, calculates Total Flood Ownership Cost, and identifies mitigation upgrades that pay for themselves. Monte Carlo simulation across 10,000 scenarios. Powered by FEMA, USGS, and NOAA data.
Free flood zone lookup. No signup required. Data from FEMA NFHL, OpenFEMA, USGS NWIS, NOAA.
Actuarial-Grade Flood Risk Analysis
The same data and methodology FEMA uses for Risk Rating 2.0 -- applied to your specific property, with forward-looking premium projections and mitigation cost-benefit analysis.
Flood Zone Classification
Parse FEMA NFHL data to identify your exact flood zone -- A, AE, V, VE, X-shaded, or X-unshaded. Know your SFHA status before the lender tells you.
NFIP Premium Projection
Model Risk Rating 2.0 premiums using replacement cost, flood type, distance to water, first-floor height, foundation type, and prior claims history.
Monte Carlo Premium Trajectory
10,000 simulations of your 10-year premium path under NFIP glide path rules (max 18% annual increase). See P10, P50, and P90 cost scenarios.
Total Flood Ownership Cost
NPV of insurance premiums plus expected uninsured losses plus deductible exposure plus property value impact over your 5, 10, 15, or 20-year ownership horizon.
Mitigation ROI Analysis
Compare the cost of elevation, flood vents, sump pumps, and backflow valves against premium reduction and expected damage avoidance. See which upgrades pay for themselves.
Insurance Decision Framework
Optimal strategy analysis: buy NFIP, buy private flood, self-insure, or relocate. Expected value comparison calibrated to your risk tolerance and financial situation.
How It Works
Enter Your Property Details
Address, replacement cost, first-floor height, foundation type, and ownership horizon. Takes about 3 minutes.
We Model Your Flood Risk
Flood zone classification, BFE delta calculation, NFIP premium projection, Monte Carlo trajectory, mitigation ROI, and CRS discount analysis -- all automated.
See Your True Flood Cost
Total Flood Ownership Cost over your horizon. Premium trajectory with confidence intervals, mitigation payback periods, and optimal insurance strategy.
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Ready to Know Your Flood Risk?
Enter your property details and get a complete flood cost analysis in minutes. Premium trajectory with confidence intervals, mitigation ROI, CRS discounts, and optimal insurance strategy -- all in one report.
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