AmeriFlood

What AmeriFlood does

AmeriFlood is a privately held Florida-based insurance agency operating under the legal entity AmeriFlood, LLC. The company sells FEMA-backed National Flood Insurance Program (NFIP) policies to residential, condominium, and commercial property owners, and additionally offers Property & Casualty and Private Market flood insurance products. Its headquarters is in Trinity, Florida, with regional offices in New Jersey, North Carolina, Texas, and Mississippi, and it advertises more than 125 years of combined insurance expertise across its agent team.

The company's core differentiator is its flood-zone reclassification service, which uses in-house surveyors and coastal engineers experienced in FEMA standards to evaluate whether a property's flood zone designation is correct and to file Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) applications on the property owner's behalf. The reclassification work is offered on a contingency basis: customers pay only upon success, with the one-time fee set equal to the prior annual flood insurance premium for properties reclassified out of high-risk zones. The company cites potential premium savings of up to 86% per reclassified property. Supporting the core service, AmeriFlood operates an educational ecosystem at FloodTools.com, which includes AmeriFlood University, risk mapping, and loss calculators.

AmeriFlood generates revenue through two primary streams: standard insurance agency commissions on NFIP policy sales and contingency fees tied to successful reclassification outcomes. Customers originate through direct digital channels (website quote forms and a toll-free phone line) as well as the educational content hub. The company holds Better Business Bureau of West Florida membership and is structured as an independent LLC with no disclosed institutional investors or parent company.

Name

AmeriFlood

Legal name

AmeriFlood LLC

Website

https://ameriflood.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

AmeriFlood is a privately held Florida-based licensed insurance agency that sells FEMA-backed NFIP flood insurance and contingency-based flood zone reclassification services to residential, condominium, and commercial property owners across five U.S. states.

Ownership category

akta.pro rank

Product category

Flood Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Flood Insurance (FSAJACAG)

Keywords

• Flood insurance services
• NFIP flood policies
• Flood zone reclassification
• LOMA LOMR applications
• Property casualty insurance

Headquarters

HQ city

Trinity

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Contingency-based Flood Zone Reclassification: Fee is only paid upon success, based on a percentage of savings obtained for the client. If successful, the one-time fee equals the current annual flood insurance premium for buildings reclassified out of high-risk flood zones.
2. NFIP Flood Insurance Sales: AmeriFlood operates as a licensed agency selling FEMA-backed National Flood Insurance Program (NFIP) flood insurance policies for residential, condominium, and commercial properties.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

AmeriFlood is a licensed insurance agency that sells FEMA-backed National Flood Insurance Program (NFIP) policies for residential, condominium, and commercial properties. The agency layers a contingency-based Flood Zone Reclassification Service on top of policy sales, performing FEMA-compliant coastal studies and processing LOMA/LOMR applications to move properties out of high-risk flood zones and reduce customer premiums.

Product overview

AmeriFlood is a licensed insurance agency selling FEMA-backed NFIP (National Flood Insurance Program) flood insurance. The company offers a portfolio of core products including Residential Flood Insurance, Condominium Flood Insurance, and Commercial Flood Insurance policies. These core products are supported by add-on services such as Flood Zone Reclassification Service (LOMA/LOMR processing) to help clients reduce premiums, and Property & Casualty Services. The company also provides educational tools through AmeriFlood University and web-based risk assessment tools including flood risk mapping and loss calculators.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Flood Insurance NFIP-backed flood insurance policies for single-family homes and 2-4 family residential properties, underwritten through the Dwelling Property Policy form. Sold to homeowners needing compliant flood coverage and potential premium reductions.
• Condominium Flood Insurance NFIP-backed flood insurance policies for condominium associations and individual condo unit owners under the Residential Condo Policy form, covering both residential and commercial building components.
• Commercial Flood Insurance NFIP-backed flood insurance coverage for commercial and non-residential buildings under the General Property Policy form, sold to commercial property owners and businesses.
• Flood Zone Reclassification Service (LOMA / LOMR Processing) Standalone FEMA-aligned service that performs coastal studies according to FEMA standards and processes Letter of Map Amendment (LOMA), Letter of Map Revision (LOMR), and Conditional Letter of Map Revision (CLOMR) applications to reclassify properties out of high-risk flood zones, reducing customer premiums. Priced on contingency — fee equals the current annual premium upon successful reclassification.
• Private Market Flood Insurance Private market flood insurance coverage options offered as alternatives or supplements to NFIP-backed policies for property owners whose coverage needs exceed standard NFIP terms.
• Property & Casualty Insurance Additional property and casualty insurance lines offered alongside AmeriFlood's flood-focused portfolio for residential and commercial customers.

Quantifiable outcome

• Property owners can save up to 86% on flood insurance premiums through successful flood zone reclassification

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• FEMA (Federal Emergency Management Agency)coreOthersAmeriFlood is a licensed agency authorized to sell FEMA-backed National Flood Insurance Program (NFIP) flood insurance policies. The company develops detailed coastal studies according to FEMA standards and processes applications for Letter of Map Revision (LOMR) and Conditional Letter of Map Revision (CLOMR).

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Goosehead Insurance: Large national personal lines agency franchise selling home, auto, and flood coverage. Comparable as an agency-distribution competitor; less specialized than AmeriFlood on flood but increasingly active in the category.
• Selective Insurance Group: A larger regional P&C carrier and agency that offers flood insurance as part of a broader commercial and personal lines portfolio. Comparable in that it places flood coverage for property owners, though flood is not its core specialty.
• Assurant (Assurant Flood Insurance): Diversified insurance provider with a dedicated flood insurance program writing residential NFIP and private flood coverage. Comparable as a flood specialist within a much larger insurance platform, competing for the same agent distribution channels.
• National Flood Services (Aon): Acquired by Aon, NFS is a national flood insurance servicing platform supporting agents writing NFIP policies. Comparable to AmeriFlood in serving property owners with flood coverage, but operates at vastly larger scale as part of a global brokerage.

Direct peers

• Wright National Flood Insurance Company: A major direct writer of NFIP and private flood insurance for residential and commercial properties. Direct competitor in the same NFIP distribution channel with similar product breadth and agent-led servicing model.
• Neptune Flood: A leading private flood insurance carrier/agency using technology-driven underwriting to deliver residential and commercial flood policies. Highly comparable to AmeriFlood in product scope (flood-only) and target customer (property owners), though it underwrites risk directly rather than serving as an NFIP agency.
• FloodSimple (Brown & Riding): Flood-focused insurance agency offering NFIP and private flood coverage with a digital quote-to-bind experience. Overlaps directly with AmeriFlood on residential flood insurance placement and reclassification-adjacent services.
• The Flood Insurance Agency (FIA): National flood insurance agency writing NFIP and private flood policies nationwide, similar to AmeriFlood's licensed-agency model but with significantly broader scale and digital distribution.
• Flood Zone Insurance Services: Independent flood-specialty insurance agency offering residential and commercial flood policies with reclassification-adjacent expertise. Closely mirrors AmeriFlood's niche agency model and customer base.

Emerging players

• Palomar Holdings: Specialty insurer focused on earthquake and recently expanded into flood and other catastrophe-exposed lines. Comparable as a specialty catastrophe carrier/agency platform targeting property owners in high-risk geographies similar to AmeriFlood's coastal footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ameriflood

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 AmeriFlood