The Company now offers four options to lock in the annual premium, guaranteeing premiums will not increase, for the following year. "The #1 question we are asked everyday is: 'what will my premium be next year?'. We listened, and have now given our clients the ability to avoid their premiums going up each and every year," said Evan Hecht (click to view bio), the CEO.


Arlene Breau- July 11, 2016
•During a phone conversation today with Josh Holcomb, an insured under the TFIA flood program through Lexington, our insured praised the work of his flood adjuster, Shane Moore. Mr. Moore was polite and professional. He was very diligent with finding everything that was damaged in the flood. He did not try to rush through it but paid attention to details of damage. Mr. Holcomb felt that Mr. Moore has treated him fairly and that he will write up the damages on equal levels for the company and the insured. His neighbors and friends told him horror stories about company adjusters overlooking damage and under-pricing to keep costs down and that they told him to hire a public adjuster. After Mr. Moore’s inspection, he now knows that what he has been told is not the case and that he is very comfortable with Mr. Moore handling his claim and that he will be treated fairly.

Brenda Vonada- July 6, 2016
•The TFIA flood company is a delight to work with. Someone answers the phone, almost always on the very first ring, you don't have to wait for a prompt. They are ALL very friendly and courteous, extremely helpful, very quick at reviewing your quote/application and emailing the information back. I am 100% satisfied with everyone on the team.

Susan Hooten- July 11, 2016
•My clients are always Happy when I can save them money, whenever I have a question I call and immediately I have a answer. Love your company!!!!!

Paula Collins- March 1, 2016
•I can’t thank this company enough! They literally changed my life! The honesty and kindness they displayed is amazing! I wish all insurance agents acted with as much integrity as they displayed. Thank You!

Arlene Breau- July 11, 2016
•During a phone conversation today with Josh Holcomb, an insured under the TFIA flood program through Lexington, our insured praised the work of his flood adjuster, Shane Moore. Mr. Moore was polite and professional. He was very diligent with finding everything that was damaged in the flood. He did not try to rush through it but paid attention to details of damage. Mr. Holcomb felt that Mr. Moore has treated him fairly and that he will write up the damages on equal levels for the company and the insured. His neighbors and friends told him horror stories about company adjusters overlooking damage and under-pricing to keep costs down and that they told him to hire a public adjuster. After Mr. Moore’s inspection, he now knows that what he has been told is not the case and that he is very comfortable with Mr. Moore handling his claim and that he will be treated fairly.

Brenda Vonada- July 6, 2016
•The TFIA flood company is a delight to work with. Someone answers the phone, almost always on the very first ring, you don't have to wait for a prompt. They are ALL very friendly and courteous, extremely helpful, very quick at reviewing your quote/application and emailing the information back. I am 100% satisfied with everyone on the team.

Campbell James- February 17, 2016
•TFIA Is Great! I applied On Friday, by Monday I was Insured! Very Professional People! They are the real deal! Thank Everyone for your help and I'm a customer for life!

Karen Dabkowski- February 15, 2016
•I am so very pleased with the professional way every employee at TFIA has conducted themselves both in placing and in cancelling my flood insurance. It had been a requirement of my mortgage lender and now that my mortgage is paid in full, it's an expense we can forego. Comparing Lloyd's to Allstate Flood (FEMA) here in the states, Lloyds has been a dream to work with.......... (and Allstate (FEMA), a nightmare.) Thanks again, Kudos to all of you!

Arlene Breau- July 11, 2016
•During a phone conversation today with Josh Holcomb, an insured under the TFIA flood program through Lexington, our insured praised the work of his flood adjuster, Shane Moore. Mr. Moore was polite and professional. He was very diligent with finding everything that was damaged in the flood. He did not try to rush through it but paid attention to details of damage. Mr. Holcomb felt that Mr. Moore has treated him fairly and that he will write up the damages on equal levels for the company and the insured. His neighbors and friends told him horror stories about company adjusters overlooking damage and under-pricing to keep costs down and that they told him to hire a public adjuster. After Mr. Moore’s inspection, he now knows that what he has been told is not the case and that he is very comfortable with Mr. Moore handling his claim and that he will be treated fairly.

Brenda Vonada- July 6, 2016
•The TFIA flood company is a delight to work with. Someone answers the phone, almost always on the very first ring, you don't have to wait for a prompt. They are ALL very friendly and courteous, extremely helpful, very quick at reviewing your quote/application and emailing the information back. I am 100% satisfied with everyone on the team.

Arthur Candelaria- February 11, 2016
•I would like to thank Allyson for helping me out. She is an example of great customer service!! That is what we are lacking in this country.

Annette Di Giovanni- January 29, 2016
•My insurance company could not get me affordable flood insurance, 2 years now, so I got 3 quotes that were around $2500. Agent from mortgage company referred me to privatemarketflood.com, best affordable quote under $2000, and best customer service. Thank you thank you.

Jacqueline Frook- January 11, 2016
•I have had the best experience with this company. They have been nothing but efficient and professional, responding immediately! Excellent company to work with! Immediate results! So refreshing to see thorough professionalism!

Bernice Kotza- January 5, 2016
•The folks at TFIA have always been very helpful. Today I needed assistance and the staff was helpful and quick to assist. We have been doing business with the company for 16 years and have never been disappointed!

Catherine and Ian Robinson- December 29, 2015
•We saw a post on Facebook and looked into purchasing the flood Insurance. The entire procedure was so easy and effortless. Everyone we dealt with was professional and efficient. In no time at all we had our flood insurance in place. Excellent, efficient service, Thank you!

Pat Ciarfella- December 29, 2015
•I cannot express how appreciative I am of your company. Extremely fast, honest and helpful. All the other companies have yet to get back to me with a quote (requested 3 days ago)! Would give 5 plus stars for communication. Did not feel pressured at all to buy anything more than what was needed and representative even went out of their way to speak to my mortgage lender quickly. Hours from start to finish! Amazing service!!!

Tootie Hays- November 20, 2015
•Great Service. Hays Insurance ALWAYS get great service from your company. Keep up the awesome work!

Jim Shaffer- November 17, 2015
•Last week we worked with several members of The Flood Insurance Agency team in replacing our flood insurance coverage. Each of them was friendly and knowledgeable and saw to it that the entire task of securing the insurance and notifying our bank was completed. It was a great experience and we saved several hundred dollars. One of our neighbors also has flood insurance. We have already told them about our experience with your organization. Thanks again for your help in replacing our flood insurance.

Helen B Powell- November 3, 2015
•Yes I am very happy. You have made my day!! and I appreciate your help in getting my application approved . Thanks to Nicole Caffiero and thank you Sarah Keen.

Steve Hart- November 3, 2015
•Very good customer service. Very straight forward. Thank you!

Tim Robinson- October 29, 2015
•I wanted to express my gratitude to everyone at TFIA. I was in a very tight spot with a very short time frame or my closing date was going to be moved back and I was going to be homeless. The staff at TFIA was always very helpful, calm and knowledgeable throughout the process. Thank You again for helping and guiding me thru the process. I will and have recommended your company to everyone I have talked to about my new home purchase.

Jeff Lilla- October 27, 2015
•Was a pleasure doing business with TFIA . Almost cut my government provided coverage in half. Nice to finally have an alternative option.

Carl Forwerck- October 8, 2015
•FEMA has been extending flood regions everywhere, even in places that have never flooded and mortgage companies are requiring very expensive policies to cover these imaginary losses. The Flood Insurance Agency is making it way more affordable with their rates.

Michal Keath- October 6, 2015
•Great experience dealing with your company. Staff very helpful and courteous. Will recommend your company to others.

Chester Goins- October 6, 2015
•If you're tired of paying high prices for flood insurance give these guys a try. They cut my bill in half. Thanks for the great service.

Moores Insurance Group- October 1, 2015
•I have done business with The Flood Insurance Agency a few times now and my experience has been great! They have assisted me with any questions I had along the way and provided me with an additional outlet to save my customers money on flood insurance.

Richard Golen- September 28, 2015
•Thank you for your prompt and courteous service. You saved me a significant amount of money and kept my mortgage premium from being raised this year. Thanks Again.

Fred Boyd- September 09, 2015
•FEMA has raised the rates on non owner occupied housing to a prohibitive rate. They are making the no claims areas pay for the high claims areas. The Flood Insurance Agency has helped me keep my business going by reducing my premiums substantially. The process is relatively simple and my bank pays the premiums through the escrow account. Thank you again for your help.

Sharon Symonds- August 31, 2015
•I would highly recommend TFIA to anyone shopping for flood insurance. They made the whole process an enjoyable and easy one. Also, you can easily talk to someone when you call!

James Carnevale- August 28, 2015
•A Well Deserved Compliment-I don't know who will read this but I am hoping to capture the attention of not only the management and staff at TFIA, but any new potential clients as well.Dealing with everyone at TFIA has been a total and complete pleasure, from the agents all the way up the chain of command to the CEO has been a positive and memorable experience which I have never received from ANY other company in the past. This company stands behind their word and provides unsurpassed customer service and support to their clients. I had an issue where I was treated with disrespect and rudeness from a FEMA, NFIA agent, to the point where his ignorance and inaccurate information caused me to fall into a major panic attack. I then immediately called TFIA after normal business hours and left a detailed voicemail thinking my agent would call me the next business day. Well to my surprise, the CEO of TFIA heard my voicemail and heard my distress and took it upon himself to call me after hours on his own time. He put my mind at ease, and promised me that his company would help me every step of the way to resolve the issue and he also educated me on the correct FEMA policy information which that FEMA agent was totally incorrect about. No other CEO of any other company has ever taken the time to provide me with comfort and reassurance when a problem has occurred.The following morning, the director of operations called me and already had the situation resolved.This world would be a better place for us consumers if we had more companies like The Flood insurance agency and their TOP NOTCH staff. We need more companies to follow their business model where they really do care about their clients and also stand behind the products they sell!Finally, I want to finish my compliment by stating that I am not affiliated with or related to anyone that works for TFIA, I simply found them by doing a Google search and it was the best thing I ever did.A special Thank You to Evan, Eric, Celia and Justin for all of your help and support throughout the entire process of switching my Flood Insurance coverage away from FEMA and over to your company.

Teresa Pisauro- August 26, 2015
•Thank you for helping me get affordable flood insurance. For the past 5 years FEMA has been ripping me off.

Wayne Conyers- August 20, 2015
•Thanks for the alternate choice of flood insurance and especially the quick, courteous service and professional response! TFIA provided a painless, fast, very cost effective flood insurance policy that met requirements for property purchase. Agents were extremely polite and very thorough and professional.

Rochard Golen- August 12, 2015
•Top Service-Quick service, nice savings, pleasant and informative staff.

Charles Summerour- August 10, 2015
•Some of the best customer service ever from anyone. All communications (via email) were clear, responded to in a timely fashion, and the results were most acceptable.

Paul Healey- August 10, 2015
•I would just like to say that both Justin and Nicole have been very helpful. Great Company!

William Winn- August 7, 2015
•Your company saved me, my marina was declared in a flood zone this summer. My agent of several years was quoting me federal coverage that was more than what I paid with PMF. My mortgage holders were happy with the coverage. Very easy company to do business with. Thank you.

John Caldwell- July 27, 2015
•It took me a long time to find this agency that is not a part of the traditional flood insurance program of FEMA....I would give this agency a 5+ stars for price, responsiveness, and general customer service.

Carolyn Andersen- July 23, 2015
•I have always carried my flood insurance through FEMA, but this year the fee for coverage jumped more than it should have even though I sent in the required information to keep it at a reasonable price. I found this company using a Google search and I am very pleased with it. My new policy is for a slightly higher coverage than I had through FEMA and is much less expensive than the fee for renewing the old policy. It was easy and fast to deal with this company because everything was done electronically. All of my questions were answered by return email - no waiting. My application for my policy was accepted immediately and the policy was sent to me electronically. Nothing could be easier or more satisfactory. I do recommend this company.

Curt Bush- July 23, 2015
•Greatly surprised in the way the application for flood insurance was handled. Very professional, no nonsense, and agents were helpful. Extremely happy with quote & ease of completing the entire process.

Judith Fleming- July 8, 2015
•I want to extend my appreciation for the work Justin has done for me over the past few years on my flood insurance. He is always very responsive, prompt and follows through on any request. We often hear when people mess up; I just wanted you to know what a great employee you have.

Anne Paustian- June 29, 2015
•Your company cut my flood insurance policy cost in half. Fast service too. Thank you!

Tyson Seirer- June 25, 2015
•Great Alternate to FEMA Flood Insurance. We live in Kansas in an area where it rarely to never floods but we are required to have flood insurance since we are within the 100 year flood plain. We are a young couple and this was our first home. We have had FEMA insurance for 5+ years now and during this time we saw our premiums nearly double during the last few years. The insurance on the home was getting to be so much that we were considering moving because we were barely able to make the payment. We had no idea that there was a private market flood insurance company that could provide us coverage at a competitive rate compared to FEMA. In the matter of minutes I was on the website and had a quote of the costs to switch to The Flood Insurance Agency at Lloyd’s. The amount of savings was incredible and we were able to keep the same coverage as our current policy. I quickly called the bank to check on my policy and we were able to change insurance carriers by the end of the next month when my current policy expired. The process was quick and easy. I worked with several representatives and was able to print and sign the documents shared in a couple of emails. TFIA worked with my bank to make all the changes needed on our escrow account. Within a week of receiving our new policy we had a check in the mail from our bank. They were refunding us the amount of overpaid money from our FEMA policy that we had been paying in over the last year. I have already recommended TFIA to neighbors and friends and others are making the switch also. Thanks to TFIA we are able to stay in our home.

Charles Chaniyara- June 12, 2015
•Great service and each activity is easy like getting an estimate/quote, submitting an application and making payment on-line.

Jeff Smith- May 6, 2015
•I was tired of being at the mercy of federal flood insurance. Expensive, inflexible, and just downright arrogant. It's great to have an alternative insurance source. I've told many of my neighbors in our flood plain about this program and they are also enjoying the savings.

Arthur Dioli- May 6, 2015
•Thank You! I worked with Sarah Keen and I would like to thank the team for working with us to secure flood insurance. As an architect, I very much appreciated the great communication and all of Sarah's efforts in putting up with all my questions. The frosting on the cake is the amount of money you saved us! Thank you again.

Jay Welch- April 28, 2015
•Your service was great and very quick, could not be more pleased. Thank You!

Louis Jordan- April 27, 2015
•I was rather concerned about my FEMA flood insurance prices doubling in the last two years. It sent me searching for alternatives. I soon found THE FLOOD INSURANCE AGENCY after a quick search online. Their quote was less than FEMA and I had a policy in just a couple of days. Their staff was very responsive and the DocuSign system made the process very simple and convenient. I would recommend anyone to please check them out if you are in need of flood insurance alternatives.

Al Mohr- April 23, 2015
•Changing from my old flood policy to a private policy was effortless thanks to The Flood Insurance Agency. The online quote was fast and accurate. Best of all they reduced my prior policy expense by with the same coverage. All my questions were addressed quickly even after I purchased the policy. Everyone I worked with was friendly and professional. A great product and organization!!!

James McCarthy- April 20, 2015
•Easy to do business with and a good value for the money...

Eric Saxton- March 30, 2015
•It was a pleasure to work with the fine people (Justin/Eric) at TFIA, it was easy and done in two days and saved me money over other quotes that I received. Thanks again.

Mary Birarelli- March 20, 2015
•Wonderful Service! Cut my client's flood premium...and got great service from Justin and Mariah. Thank you both!

Mike LaRosa- March 12, 2015
•Great service and price!! Would recommend this company to anyone that needs flood insurance. They were cheaper than my old flood policy thru NFIP, and this is before another $500 increase and $250 surcharge.....The entire process was smooth and easy!! Definitely a happy customer!!!

Suzanne Woodcock- February 24, 2015
•Excellent Customer Service-We want to thank TFIA for excellent customer service and patience in answering our questions and providing timely information regarding our policy rates. So impressed!

February 10, 2015
•It is a pleasure working with you Eric, you have shown great leadership, patience and understanding. Keep up the great traits.

Al Bowens/Bee Solheim- February 07, 2015
•After getting quotes from several Ins. Co.'s with outrageous premium amounts, wanting the payment immediately. Knowing that I did not have that kind of money immediately, Then having to wait 90 days for the insurance to be approved, I found Lloyds of London. I applied, went through the form for pricing and found that your insurance was a reasonable amount and as soon as I signed the contract and made my payment, I had the insurance. I am so happy that I found you on the internet. We had to have flood insurance coverage within 2 weeks and you guys saved us money and our mortgage. Thank you so very much. The representative was also extremely helpful and easy to talk to . Thumbs up for Lloyds of London!!!!

Tootie Hays- February 6, 2015
•This is my first policy with Private Market and have had a very good experience with Sarah. So thanks Sarah!

Christine Dugan- February 3, 2015
•Excellent Customer Service-I just want to thank everyone at The Flood Insurance Agency for the excellent professional customer service they provide. Your agents are polite, efficient and do what they say they are going to do. It's reassuring to do business with a company that still feels the customer is always right. Thank you.

Michael Megoulas- January 12, 2015
•Everyone I have dealt with has been very friendly and helpful, plus you have saved me mucho dinero keep up the awesome work!!

Leonardo Aldecocea- January 9, 2015
•Thanks--I saved money with TFIA and Eric Weber (at TFIA) was outstanding. Thanks for processing my new flood insurance policy. The online experience was first rate, and the DocuSign process was easy and a time saver. Also, I would like to recognize the EXCELLENT service provided by Eric Weber at the Gainesville FL TFIA office. He was extremely prompt and responsive and made this process painless and pleasurable. My sincere thanks to Eric and your team! Best Regards...

Paul Rizzo- January 1, 2015
•Easy process start to finish. Just wanted to say I was put in contact with Justin Bryer and he made the process so quick smooth and easy start to finish to get insurance in place. We were in a time crunch bind from our lender and Justin got us all the policy docs we needed within 48 hours from our first conversation. From someone that is in the mortgage processing industry, i wish that everything was this easy in the mortgage process and applying for one. Thanks for saving us time and money.

Steve Bockenstedt- December 30, 2014
•Justin is very knowledgeable on flood insurance, saved a bunch of money compared to FEMA. It worked out great even when FEMA changed the flood zone rating.

John Dunakey- December 25, 2014
•Merry Christmas thank you for saving me lots of money.

Shyann Williams- December 19, 2014
•I have been with TFIA for a year now. It has been a great experience ever since I have had a policy with them. Before my policy expired, I was offered a three (3) month extension which I have never experienced before with any other agency. On top of that, when it is time to renew my extended policy, premiums will be significantly lower than the year prior. They are very efficient with timely correspondence and you will never be left confused about anything. TFIA is wonderful and I'm happy to have a policy with them!!

Corey Pribush- December 9, 2014
•5 star-Finally, a breath of fresh air. After paying nearly 4,500 a year with a FEMA policy, private market flood has cut my annual premium in more than half! Thanks for keeping my family out of the cardboard box on the corner, for this year at least...!

Heather Minnich- December 2, 2014
•I saved hundreds over FEMA and I am so grateful to have found you all. I'm so mad that NO ONE in the process of buying my house ever mentioned this alternative to FEMA.

Dennis Prochnow- November 21, 2014
•I wanted to thank you for the help I received from Sarah Keen and Justin Bryer made the process very simple. Thank you, Dennis Prochno.

Luis Rivera· November 20, 2014
•Thank You very much for the quick response. Didn't expect it this quick.

Susan Deleon· November 14, 2014
•I like the fact that she wanted to see the wording in an email (so we were all on the same page) and she handled the matter very efficiently and sent me a confirmation. A very pleasant experience, especially talking to a real person--without having to wade through

Matt Krepich‎ June 25, 2014 ·
•This company was a life saver for me. I was looking at a $6000 policy from FEMA for a $60000 mortgage and then my wife found this website offering a $100k policy for under $900. My mind was made up instantly to get with this company. Anyone in the Berwick area should know that First Keystone Community bank does accept this company's policy. Not sure of other banks but once they look into it everything checks out the same as a FEMA policy.

Valarie Norelli Campagna‎ June 10, 2014 ·
•Thank you so much here in New Jersey. You are the best. Let me know how I can help spread the word!!!!

Linda Paolicelli Kelly‎ June 10, 2014·
•I saved 40% compared to FEMA. Great company to work with.

Trish VanBuskirk‎ June 10, 2014 ·
•Thanks for saving me literally thousands of dollars on my flood insurance policy and allowing me to stay in my newly purchased little home!

Pam Dunleavy Gower ·‎ June 10, 2014 ·
•We are very thankful our insurance agent lead us to your site. Not only did we get great coverage from you, but we also saved a couple hundred dollars in our premium. I am recommending you to anyone I know that needs flood insurance.

Loren Marozas ·
•This product gives our agency the ability to help the home purchasing power of consumers and help strengthen the housing economy. Combined with competitive rates which gives us an advantage in the market, and the 'ease of doing business' has made the Flood Insurance Agency my go-to for all of my and my clients needs. Thank you for giving hope back to prospective and current homeowners!

Tammie Robeau Acosta ·
•Our agency has been writing Private Market Flood for customers for the last six months and we love it. The staff is efficient and extremely helpful. Turnaround time is quick.

Drew Scott ·
•Private Market Flood is really a great alternative to the expensive rates and bureaucratic labyrinth home owners face when trying to secure flood insurance through FEMA. This is an invaluable option for our customers living along Long Island Sound and inland waters of CT!

Andrew Turner ·
•Private Market Flood is so easy it's a no brainer! My customers are always amazed when I am on the phone with them and they ask about flood insurance and I can give them an accurate quote instantly. Not only is it easy but the prices are competitive. Thank you Private Market Flood for being a great option for us!

Carolyn Wasdin ·
•Private market flood in YOUR answer to flood insurance. Agents and consumers alike are COMPLETELY impressed with this product and the TFIA team. You too will be impressed - when it comes to flood insurance you won't find anyone more knowledgeable and helpful then this group. If you are in the market for flood insurance - make it a point to go to their website or give them a call.

Todd Llewellyn ·
•Our agency has a customer that certainly had the odds stacked against him for a new home purchase in a flood zone. The home was a foreclosure so there was no policy to assume. Writing a new policy he recd no subsidy. For the first year his premium was $4024.00. With the start of private market flood insurance his premium lowered to $2294.07. That is a savings of $1729.93! To add that working with the folks at Private Market Flood was seamless and one of the easiest processes we have had to write a policy sure made life easier. Second policy being written this week. Again a $1500 savings to the customer.

Sue Fairchild ·
•Our agency has been writing with TFIA for about six months now and it has been life changing. Our town, Lewisburg, PA, and the surrounding areas, are right along the Susquehanna River. We’re used to the flooding and we’re accustomed to all that comes with those floods, but when Biggert-Waters started that all changed. People were seeing increases in the thousands of dollars and on the verge of losing their homes. They have come to us begging for help and with a lot of questions. We even recently participated in a town hall meeting in Muncy, Pa that was well received. It’s not about the money – it’s about the people. TFIA agrees and we have been able to answer the client’s questions and to provide affordable insurance for their peace of mind. I have had people tell me that we are life savers and that they could never afford flood insurance now without us and TFIA. The staff is friendly and very efficient – a far cry from how the NFIP works. Without elevation certificates or long complicated applications - it's been so much easier to provide insurance for our clients. Even our clients can't believe how easy and painless it is! It’s been a pleasure working with them to assist our clients together.

Andrea Newman ·
•Hartselle and Associates has written several policies and our customers greatly appreciate having an alternative to FEMA! We have saved a few of them thousands!!! The agency appreciates the easy application process... :)

We have written over $35,000,000 of private flood insurance premiums in just slightly over our first two years! The Flood Insurance Agency's Private Market Flood program now provides well over two billion dollars of flood insurance coverage to more than 13,000 clients in 36 States. A client applies for a new policy or purchases a private flood policy every four to five minutes. That is a testimony to the public acceptance of our program as an alternative to FEMA flood insurance.


We are proud to issue policies right here in our office on behalf of: