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Protect Your Home & Business with Comprehensive Flood Insurance Solutions

1st Direct Helps You Understand Your Risk and Connects You with the Right Personal or Business Insurance Coverage

Instant Quote
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About Us

1st Direct Insurance specializes in providing comprehensive flood insurance solutions across the nation. Whether you need NFIP or private flood insurance, we have you covered.

   Business

  • Coverage in 50 states

  • Multiple carrier appointments, for best possible quote comparisons

  • Standard and E & S Markets

  • Focusing on Transportation, Habitational, Technology, & Contractors

  • Established Team to Handle servicing needs.

   Flood

  • Coverage in all 50 States plus DC

  • Portfolio or Single Flood Risk Assessments

  • NFIP/Write Your Own Flood Insurance

  • Private Flood Insurance

  • Excess Flood Insurance

  • Residential, Commercial, Renters & Condo Flood Options

  • Contents Inventory & Evaluation Tools

info@firstdirectins.com   |   888-381-0511

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Contact Us

Home: Contact
  • Is 1st Direct Insurance an independent agency?
    Yes, 1st Direct Insurance is an independent insurance agency. This means we’re not tied to one carrier—we work with many trusted insurance companies to offer you competitive rates and customized coverage. Our independence allows us to provide tailored solutions that best meet your needs. We operate across all 50 states and Washington, D.C., ensuring you get the best possible quotes and coverage options.
  • What is flood insurance and why do I need it?
    Flood insurance protects your home or business from damage caused by flooding, something that is not covered under standard homeowners or commercial property insurance. If you live in a high-risk area or want peace of mind during extreme weather events, flood insurance is essential.
  • How do I get a quote from 1st Direct Insurance?
    You can get a fast, free quote by calling us directly or using our online quote request form. Our licensed agents will work with multiple top-rated carriers to find the best rate and coverage for your needs. We provide detailed flood risk assessments to ensure you receive the most accurate and comprehensive quote possible.
  • What’s the difference between NFIP and private flood insurance?
    The National Flood Insurance Program (NFIP) is government-backed and offers standard coverage limits and pricing. Private flood insurance, on the other hand, may offer higher limits, faster claims processing, and broader protection. At 1st Direct Insurance, we’ll help you choose the best fit for your property and budget, ensuring you get the most comprehensive coverage available. We work with both NFIP and top private flood insurance carriers to find the best coverage at the best price for your needs.
  • How much does flood insurance cost?
    Flood insurance costs depend on factors like your location, flood zone, coverage limits, and whether the property is residential or commercial. Contact us for a custom quote.
  • What does flood insurance cover?
    Flood insurance typically covers: Structural damage to your home or building, electrical and plumbing systems, furnaces, water heaters, and major appliances, foundation and crawlspaces, and personal property (with contents coverage). Coverage limits vary, and certain exclusions may apply. Our team will walk you through all the details to ensure you have the right coverage for your needs.
  • How do I know if I’m in a flood zone?
    You can check your flood zone by using FEMA’s Flood Map Service Center or by contacting us. Our agents can help you determine your flood risk and what type of coverage you may need. We also monitor flood map changes to keep you informed about any updates that may affect your coverage.
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