CartoFront
CartoFront is a Chicago-based InsurTech company offering an API-based flood insurance quoting platform embedded in MLS networks. It serves REALTORS and homebuyers with free comparative quoting from FEMA and private insurers, monetizing via insurance partner transaction fees and emerging white-label licensing.
- Company typePrivate
- Founded2015
- HeadquartersEvanston, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What CartoFront does
CartoFront, Inc. is a Chicago-based InsurTech company (founded 2015, 1-10 employees, private) that operates a B2B and B2B2C flood insurance quoting platform embedded directly into Multiple Listing Service (MLS) networks. Through a one-click "raindrop" icon integrated into property listings, REALTORS can generate near-instantaneous flood zone determinations and comparative insurance quotes from public (FEMA/NFIP) and private insurers for their homebuyer clients. The platform currently serves REALTORS, homebuyers, insurance agents/providers (as paying "Network Partners"), and MLS networks (as enterprise distribution channels), with partnerships spanning Miami MLS, Martha's Vineyard MLS, Maine Listings, and Intermountain MLS.
The core technology is a modular, API-based platform that aggregates FEMA flood zone data with private insurer pricing and overlays proprietary risk scoring. The architecture is designed for "turnkey" integration with existing systems and is being developed for white-label enterprise deployment. Two additional products — a Flood Insurance Marketplace and a Homeowners Marketplace — are in development, intended to extend CartoFront's surface area beyond the MLS-embedded quoting workflow into broader homeowner services. The platform has analyzed over 9,500 flood insurance quotes cumulatively and supports bilingual (English/Spanish) customer service.
CartoFront's revenue model is transaction-fee based: insurance Network Partners (including FloodPrice.com, Acadian Insurance, and National General Insurance) pay CartoFront for customer matching and lead generation services, while REALTORS and homebuyers access the platform free of charge, typically as an MLS member benefit. A secondary, still-developing revenue stream is white-label licensing of the modular API technology to enterprise clients. The company is a 2020 National Association of REALTORS REACH participant, operates from Chicago, Illinois, and is led by CEO Jason Harris, with Perseo Ventures-affiliated CTO Dylan Hall and CPO Shima Rayej.
CartoFront firmographics
Firmographics- Name
- CartoFront
- Legal name
- CartoFront, Inc.
- Website
- https://cartofront.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CartoFront is a Chicago-based InsurTech company offering an API-based flood insurance quoting platform embedded in MLS networks. It serves REALTORS and homebuyers with free comparative quoting from FEMA and private insurers, monetizing via insurance partner transaction fees and emerging white-label licensing.
- Ownership category
- akta.pro rank
Where CartoFront is headquartered
LocationHeadquarters
- HQ city
- Evanston
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
CartoFront business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Network Partner Fees: Network Partners (insurance brokers, agents, providers) pay CartoFront for services and to be matched with users of the Platform. The company is not a licensed insurance provider and does not charge fees to end users (realtors or homebuyers).
- Enterprise White-Label Licensing: Modular, API-based technology can be white-labeled for use by enterprise clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Free for MLS Members |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
CartoFront product offering
Product offeringCore offering
CartoFront provides a modular, API-based Flood Insurance Quoting Platform embedded directly into MLS listings, enabling REALTORS to generate near-instantaneous flood zone determinations and side-by-side comparative flood insurance quotes from FEMA (NFIP) and private insurers for their homebuyer clients. The platform also includes proprietary risk scoring, bilingual English/Spanish support, and can be white-labeled for enterprise clients.
Product overview
CartoFront offers a modular, API-based technology platform for the insurance and real estate industries. The core offering is the Flood Insurance Quoting Platform, which is currently operational and integrated into MLS networks, providing one-click flood insurance quotes by combining FEMA public insurance data with private insurer quotes. Two additional platforms are in development: the Flood Insurance Marketplace (expanding flood insurance capabilities) and the Homeowners Marketplace (targeting homeowner-related services). All three platforms share the same underlying modular API-based architecture and can be white-labeled for enterprise clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Flood Insurance Quoting Platform A modular, API-based technology platform embedded directly into MLS listings via a one-click 'raindrop' tool, enabling REALTORS to generate near-instantaneous flood zone determinations and side-by-side comparative flood insurance quotes from FEMA (NFIP) and private insurers for their homebuyer clients. It includes proprietary risk scoring and risk education, bilingual (English/Spanish) support, and can be white-labeled for enterprise clients.
Quantifiable outcome
- Saves agents paperwork through proprietary technology automation
- +2 more outcomes
Companies that use CartoFront
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
CartoFront technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
CartoFront partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Martha's Vineyard MLScoreMartha's Vineyard MLS, part of Cape Cod and Islands Association of Realtors, partnered with CartoFront to bring its flood insurance technology platform to REALTOR members. The tool integrates directly within MLS listings, offering near-instantaneous flood insurance estimates for members and their clients.
- Miami MLScoreIntegration of CartoFront flood insurance quoting platform as a free member benefit for Miami REALTORS.
- Maine ListingscoreMLS integration for flood insurance quoting platform access.
- Intermountain MLScoreMLS integration for flood insurance quoting platform access.
- FloodPrice.comcoreCartoFront partnered with national insurance agency FloodPrice.com to offer free insurance consultation and policy binding services.
- Acadian Insurance (Acadian Managers)coreLocal bilingual insurance agency partner that supports, counsels, and binds flood insurance policies for CartoFront users. Anabella Loretta serves as the local insurance agent.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
CartoFront competitors and assessment
Company assessmentEmerging players
- Sure (insurance platform): Sure is an insurance technology platform offering embedded insurance infrastructure via APIs, similar in architectural approach to CartoFront's modular, API-based white-label enablement of insurance distribution.
- Openly: Openly is a tech-enabled homeowners InsurTech focused on premium home risks distributed through independent agents, sharing CartoFront's agent-channel model and target customer segment.
- bolttech: bolttech is a global embedded insurance distribution platform providing technology infrastructure for partners to embed insurance products, directly comparable to CartoFront's modular API-based white-label platform strategy.
Broad incumbents
- Hippo Insurance: Hippo is a tech-enabled homeowners insurance company that embeds within the real estate transaction flow via partner integrations, sharing CartoFront's B2B2C embedded-distribution playbook but at much greater scale and broader product scope.
- Lemonade: Lemonade is a publicly listed InsurTech offering homeowners and renters coverage through a mobile-first, AI-driven platform — a broad incumbent illustrating the scale CartoFront could face if it expands into the broader homeowners marketplace.
- Kin Insurance: Kin is a tech-enabled homeowners insurance carrier with embedded distribution partnerships and a data-driven underwriting approach, making it a broader incumbent whose homeowner InsurTech model overlaps CartoFront's strategic direction.
Direct peers
- Neptune Flood: Neptune Flood is a direct competitor specializing in private flood insurance with technology-enabled quoting and agent distribution, closely overlapping CartoFront's flood-insurance focus and go-to-market through real estate and insurance channels.
- FloodSimple: FloodSimple is a flood insurance marketplace and quoting platform serving agents and homeowners, directly comparable to CartoFront's comparative quoting of FEMA and private flood policies.
Others
- Zillow: Zillow is a major real estate platform with mortgage and adjacent homeowner services, representing the largest potential distribution competitor that could embed insurance quoting into its listing experience directly.
- Redfin: Redfin is a technology-driven residential real estate brokerage, comparable to CartoFront as an MLS-adjacent real estate platform where embedded insurance tools could be brought in-house.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
CartoFront financial estimates
Financial estimateRevenue estimate
Valuation estimate
CartoFront leadership team
Management profileNumber of profiles
Profiles7 records
CartoFront funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CartoFront M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CartoFront
What does CartoFront do?
CartoFront provides a modular, API-based Flood Insurance Quoting Platform embedded directly into MLS listings, enabling REALTORS to generate near-instantaneous flood zone determinations and side-by-side comparative flood insurance quotes from FEMA (NFIP) and private insurers for their homebuyer clients. The platform also includes proprietary risk scoring, bilingual English/Spanish support, and can be white-labeled for enterprise clients.
Is CartoFront a public or private company?
CartoFront is a private company. It is classified as venture growth investor backed and is currently operating.
When was CartoFront founded?
CartoFront was founded in 2015. It employs 1 to 10 people.
Where is CartoFront based?
CartoFront is headquartered in Evanston, United States, in the North America region.
How does CartoFront make money?
Two revenue lines are on record. Network Partner Fees are the primary driver. The others are enterprise White-Label Licensing.
Who are CartoFront's main competitors?
Emerging players on record are Sure (insurance platform), Openly and bolttech. Broad incumbents are Hippo Insurance, Lemonade and Kin Insurance. Direct peers are Neptune Flood and FloodSimple. Others are Zillow and Redfin.
Does CartoFront have an API?
No public API is recorded for CartoFront.