If you are in the market for flood coverage of $250,000, you will not find less expensive insurance. I was quoted a price that was $3000 CHEAPER than a comparable FEMA NFIP policy. That’s a lot of savings, annually. You do the math. I was also impressed with the almost immediate response to my queries as well as the ability to communicate directly with someone who knows their (flood insurance) business. Tell your neighbors that NFIP flood policies are not the only game in town.