Everything You Need to Know About Wright Flood Insurance

If you’re a homeowner or a business owner, you’ve probably heard about the importance of having flood insurance. But with so many options out there, it can be overwhelming to choose the right provider. That’s where Wright Flood Insurance comes in. As one of the leading flood insurance companies in the United States, Wright Flood has been providing top-notch coverage and exceptional customer service for nearly 40 years.

In this comprehensive guide, we’ll dive deep into the world of Wright Flood Insurance, exploring its history, products, and services. We’ll also cover the key features that set Wright Flood apart from its competitors and provide you with valuable insights to help you make an informed decision about your flood insurance needs.

The History of Wright Flood Insurance

Wright Flood Insurance was founded in 1983 with a mission to protect homeowners and businesses from the devastating effects of flooding. Over the years, the company has grown into the largest flood insurance provider in the country, partnering with the Federal Emergency Management Agency (FEMA) to offer federal flood policies.

But Wright Flood didn’t stop there. In 2019, they launched Wright National Flood Insurance Services, a platform that allows agents and consumers to easily find private flood insurance solutions with higher policy limits and customized coverage options. This innovative approach has helped Wright Flood bridge the gap in flood insurance protection and aid communities in recovering from flood losses more effectively.

Wright Flood Insurance Products

Wright Flood Insurance offers a range of products to meet the diverse needs of homeowners and businesses. Here’s a quick overview of their offerings:

  1. National Flood Insurance Program (NFIP) Policies: As a partner of FEMA, Wright Flood provides federal flood insurance policies through the NFIP. These policies cover residential and commercial properties, as well as their contents, from flood-related damages.

  2. Private Flood Insurance: In addition to NFIP policies, Wright Flood also offers private flood insurance solutions through their FocusFlood™ and ResiFlood programs. These customizable policies offer higher coverage limits, tailored deductibles, and additional protection options to better suit your specific needs.

  3. Excess Flood Insurance: For those who require coverage beyond the limits of their primary flood insurance policy, Wright Flood offers excess flood insurance. This additional layer of protection can provide up to $25 million in coverage for residential properties and up to $50 million for commercial properties.

Key Features of Wright Flood Insurance

Now that you have a basic understanding of Wright Flood Insurance’s products, let’s explore some of the key features that set them apart from other flood insurance providers:

  1. Expertise and Experience: With nearly four decades of experience in the flood insurance industry, Wright Flood has developed a deep understanding of the complexities involved in providing comprehensive flood coverage. Their team of experts is well-equipped to guide you through the process and ensure you have the right protection in place.

  2. Exceptional Claims Response: When disaster strikes, you want a partner you can rely on. Wright Flood is known for its exceptional claims response, earning an A (Excellent) rating from A.M. Best for its ability to promptly and efficiently handle claims.

  3. Commitment to Resilience: In line with FEMA’s Moonshot goals, Wright Flood is dedicated to lessening the flood insurance protection gap and helping communities build stronger, more resilient infrastructure. Their proactive approach aims to mitigate the impact of future flood events.

  4. Personalized Support: At Wright Flood, customer satisfaction is a top priority. They offer personalized support and guidance to both agents and policyholders, ensuring that your needs are met every step of the way.

  5. Innovative Solutions: Wright Flood is at the forefront of innovation in the flood insurance industry. Their Flood Insurance Marketplace™ and customizable private flood insurance options are testament to their commitment to providing cutting-edge solutions that address evolving customer needs.

Frequently Asked Questions

To help you better understand Wright Flood Insurance, we’ve compiled a list of frequently asked questions:

Q: Do I really need flood insurance?
A: Flood insurance is essential for protecting your home or business from the devastating financial impact of flooding. Even if you don’t live in a high-risk area, it’s still a wise investment, as flood events can occur anywhere.

Q: What is the difference between NFIP policies and private flood insurance?
A: NFIP policies are federal flood insurance policies offered through FEMA’s National Flood Insurance Program. Private flood insurance, such as Wright Flood’s FocusFlood™ and ResiFlood programs, provides higher coverage limits, customizable deductibles, and additional protection options tailored to your specific needs.

Q: How do I file a claim with Wright Flood Insurance?
A: Filing a claim with Wright Flood is straightforward. You can report a claim online, by phone, or through your insurance agent. Their dedicated claims team is available 24/7 to assist you throughout the process.

Q: How do I choose the right flood insurance coverage?
A: Determining the right flood insurance coverage depends on several factors, including the value of your property, your risk level, and your specific protection needs. It’s recommended to work closely with a Wright Flood insurance agent to evaluate your options and select the best policy for your circumstances.


Wright Flood Insurance is a trusted name in the flood insurance industry, offering comprehensive coverage, exceptional customer service, and innovative solutions. With their expertise, commitment to resilience, and personalized support, you can have peace of mind knowing that your home or business is protected against the devastating effects of flooding.

Whether you’re a homeowner or a business owner, taking the time to explore your flood insurance options with Wright Flood Insurance is a wise investment in safeguarding your assets and ensuring a secure future. Visit their website at www.wrightflood.com or contact a local Wright Flood agent to learn more about their flood insurance solutions and how they can protect what matters most.

Tour of Wright Flood’s online flood quoting tools at www.wrightflood.com

Leave a Comment