Superior Flood

What Superior Flood does

Superior Flood Inc., doing business as Flood Insurance Services, is a privately held U.S. insurance agency that specializes exclusively in flood insurance coverage for residential and commercial property owners. Founded in 1992 and headquartered at 4890 West Kennedy Blvd, Suite 430, Tampa, Florida, the company operates as an intermediary that represents multiple flood insurance carriers rather than underwriting risk itself. Its primary customer segments are homeowners required by mortgage lenders to carry flood coverage and commercial property owners seeking to insure buildings in flood-exposed areas.

The company's core technology consists of two interlocking web tools. The first is an online Private Flood Insurance Quote Engine that takes a property address and evaluates individual property characteristics against the underwriting guidelines of the carriers the agency represents, returning personalized multi-carrier quote options. The second is an interactive FEMA Flood Maps tool hosted at floodmap.mysuperiorflood.com, which lets property owners view FEMA flood zone data for a specific address and functions as a top-of-funnel SEO acquisition asset. Together the tools support a streamlined three-step process (quote, review, policy issuance) intended to convert property owners seeking alternatives to government-backed National Flood Insurance Program (NFIP) coverage. The company advertises potential premium savings of 20-50% versus NFIP rates.

Revenue is generated entirely through carrier commissions on policies placed (an affiliate/referral revenue model); pricing is quote-based and not publicly disclosed. Distribution is direct-to-consumer via the company website, a toll-free phone line (1-888-824-0799), and email support ([email protected]), with business hours of 9:00am to 6:00pm ET Monday through Friday and after-hours email intake. The company holds active insurance agency licenses in all 50 states plus the District of Columbia, has been BBB accredited since 2000, and operates with a headcount of 11-50 employees. No institutional investors, private equity involvement, or parent company structure is indicated in the available source material.

Name

Superior Flood

Legal name

SuperiorFlood Inc.

Website

https://mysuperiorflood.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Superior Flood Inc. is a private insurance agency representing multiple flood insurance carriers, offering residential and commercial property owners a direct-to-consumer platform for private flood coverage as an alternative to NFIP, operating nationwide across all 50 U.S. states.

Ownership category

akta.pro rank

Product category

Flood Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Flood Insurance (FSAJACAG)

Keywords

• Flood insurance
• Private flood insurance
• Insurance agency services
• Flood coverage alternatives
• NFIP alternatives

Headquarters

HQ city

Boulder

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Agency Commissions: Superior Flood operates as an insurance agency representing multiple flood insurance carriers. Revenue is generated through commissions earned on policies sold. The company evaluates individual property characteristics to match customers with appropriate private flood insurance carriers, earning a commission from the carrier for each policy placed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Superior Flood operates as an insurance agency representing multiple private flood insurance carriers. It sells private flood insurance policies for residential and commercial properties as an alternative to NFIP coverage, using an online quote platform and phone-based agents to match property owners with carriers based on individual property characteristics. Policies are placed directly with the carriers, with Superior Flood earning agency commissions on each policy.

Product overview

Superior Flood Inc., doing business as Flood Insurance Services, operates as an insurance agency representing multiple flood insurance carriers. The company offers a unified service platform consisting of private flood insurance products for residential and commercial properties, an online quote generation tool for instant pricing, and a FEMA Flood Maps tool for property flood zone assessment. The core offering is private flood insurance positioned as a cost-effective alternative to NFIP policies, with coverage options and pricing based on individual property risk profiles rather than government rate structures.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Flood Insurance Private flood insurance coverage placed through Superior Flood as an insurance agency representing multiple flood insurance carriers. Coverage is priced based on individual property characteristics and is available for both residential and commercial properties as an alternative to National Flood Insurance Program (NFIP) policies.

Quantifiable outcome

• Property owners can save 20-50% on flood insurance premiums compared to NFIP rates

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Emerging players

• Hippo Insurance: Insurtech homeowners carrier with embedded flood offerings and digital-first distribution; an emerging competitive threat targeting the same tech-enabled homeowner segment Superior Flood serves.
• Betterview (Roofing.ai): Property risk intelligence platform serving flood and property insurers with data-driven underwriting; an enabling/emerging player relevant to the private flood underwriting ecosystem Superior Flood distributes into.

Broad incumbents

• Palomar Holdings: Specialty P&C insurer with significant exposure to earthquake and flood through its specialty carrier platform; operates more broadly in specialty property insurance but is a relevant comparable for the private flood market dynamics.
• Progressive: Major national P&C carrier that writes flood as part of its broader homeowners portfolio; a broad incumbent comparison point for flood distribution scale and pricing power.
• Assurant: Diversified insurance carrier and administrator with property and specialty lines including flood-adjacent products; relevant as a broader incumbent in the property risk transfer space where Superior Flood operates.
• Lloyd's of London: Global specialty insurance market that underwrites a meaningful share of US private flood capacity through syndicate carriers; a key upstream supply-side participant for agencies like Superior Flood.

Others

• NFIP Write-Your-Own (WYO) carriers: The NFIP's WYO program carriers (e.g., Wright National, Hartford) directly underwrite flood through the federal program; comparable as the primary incumbent alternative against which Superior Flood positions its private flood offering.

Direct peers

• Flood Insurance Agency (FIA / Private Flood Insurance): Independent flood insurance agency marketing private flood alternatives to NFIP for residential and commercial properties—directly comparable offering and target customer to Superior Flood.
• Neptune Flood: Pure-play private flood insurance agency/carrier offering direct-to-consumer flood coverage and quote comparison, competing head-to-head with Superior Flood for the same residential and commercial property owner segments seeking NFIP alternatives.
• Wright Flood Insurance (now part of FloodSimple): Long-established flood insurance agency focused on private flood products for homeowners; a direct competitor to Superior Flood in the multi-carrier agency model for residential flood coverage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/floodsvcs
• Facebookfacebook.com/superiorflood
• LinkedInlinkedin.com/company/superior-flood-inc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Superior Flood