Private Market Flood
A Simple Alternative to FEMA Flood Insurance

Signing up for a TFIA's Private Market Flood Insurance Policy, underwritten by certain underwriters at Lloyd's, is easy. Just follow these 5 simple steps:

  1. Quote your own policy from your State page: AL, CA, COCT, DEFL, GA, IAIN, KS, LA, MA, MDME, MI, MOMS, NC, NE, NHNJ, OH, OK, ORPA, RISC, TXVA, VT, WAWI, WV

  2. Submit an online application.

  3. Receive approval from our underwriters within 1 business day.

  4. Pay for the policy within 7 days.

  5. Receive your policy via email the same day!


Expansion of Private Market Flood continues and accelerates in advance of soon to come FEMA rate increases on non-primary and commercial properties.

“Sometime shortly after the 1st of the New Year FEMA is widely anticipated to increase flood insurance premiums a whopping 25% and add an additional $250 surcharge for non-primary residence and commercial properties”, says Evan Hecht, coverholder for the Lloyd’s of London Private Market Flood program. “Private Market Flood targets older pre-FIRM properties with premiums lower than FEMA and is especially competitive on non-primary residences and commercial properties even before the impending FEMA rate increases at which time the premium discrepancy will become even greater.” This is very good news for property owners in the 26 States Private market Flood now offers policies and the 10 additional States Hecht says will be added before October 1st. Just today Hecht announced that the program is attempting to reach out to an even broader audience by lowering the minimum policy coverage from $100,000 building coverage to only $50,000 building coverage.

Our website, www.privatemarketflood.com, has now had more than 175,000 page views!

Now you can visit Private Market Flood on


tfia-logo-footer.jpg