TWIA Flood Insurance

05/12/2026

Is Your Property in a Flood Zone?

Realtors, lenders, mortgage brokers, investors & landlords: Don't let flood zone uncertainty delay your closings!

Our Flood Zone Check Tool at TWIAflood.com instantly tells you if a property requires mandatory flood insurance—saving you time, headaches, and last-minute surprises.

Quick & Easy Property Analysis

Know Before You Close

We have access to 20+ Flood Insurance Carriers
Time-sensitive closing?
We specialize in quick turnarounds for real estate transactions.


Check Your Property Now: TWIAflood.com

Need a Quote? Message us directly.

05/09/2026

Were You Aware?
The National Flood Insurance Program (NFIP) was completely shut down for 43 days during the government shutdown in October and November 2025, leaving thousands of real estate transactions stalled. During the lapse, approximately 1,300 property sales were impacted DAILY — that's over 40,000 closings per month nationwide.
WHY PRIVATE FLOOD INSURANCE IS NOW THE SMARTER CHOICE:
No Government Shutdowns – Private flood carriers were completely unaffected during the NFIP shutdown. Your closings won't be held hostage by Congressional politics.
Higher Coverage Limits – NFIP caps structure coverage at just $250,000 and contents at $100,000. With Tampa's rising home values, that's simply not enough. Private carriers offer coverage into the millions.
Better Coverage – NFIP doesn't cover temporary living expenses (hotel stays during repairs), finished basements, or replacement cost for contents. Private policies often include all of this.
No Authorization Uncertainty – NFIP has been temporarily reauthorized 35+ times since 2017. Each expiration creates transaction delays and market uncertainty.
Basement & Additional Living Expense Coverage – NFIP excludes most basement improvements and lacks Additional Living Expense coverage, which covers temporary housing if a flood makes the home uninhabitable.
THE BOTTOM LINE FOR TAMPA AGENTS:
In Florida's flood-prone market, you can't afford to have deals fall through because of federal program lapses. Your clients deserve coverage that won't disappear when Washington gridlocks.
We offer 20+ private flood carrier options and can quote same-day to keep your closings on track. Whether it's a waterfront condo in South Tampa, a Westchase family home, or investment property in Channelside — we've got you covered.
Need a quote to close a deal? We're here.
[email protected] 678-261-8110
TWIA Insurance Group & Associates Ltd. Co
twiaflood.com

04/30/2026

New Study Reveals Major Flood Risk for Gulf & Atlantic Coast Cities

Are you living in Jacksonville, Miami, or Mobile?

This study can provide insight on potential flood risk for your area.

A 2026 study published in Science Advances has identified eight U.S. coastal cities at extremely high flood risk Cities at Highest Risk include:
Florida:
Jacksonville - 679,251 people exposed (68% of population)
Miami - 376,311 people exposed (85% of population)

Alabama:
Mobile - 71,357-102,342 people exposed (33-47% of population)

What the Research Found:
Using machine learning and 16 risk factors, researchers analyzed historical flood damage from hurricanes including Harvey, Irma, Matthew, and Sandy.

The findings are sobering:
Low-lying, densely populated urban areas face the greatest risk Nearly 99% of New Orleans is at high flood risk. 4.75 million people in New York City are exposed.

Flood risk is increasing due to sea level rise, land subsidence, and drainage density

Important Information for Homeowners:
Important: There is typically a 15-30 day waiting period for flood insurance policies—UNLESS you're purchasing coverage for a new home closing.

Don't wait until the next hurricane season approaches.
The time to protect your home is NOW.

If you want to Read the Full Study…
We know it's lengthy (13 pages of detailed research), but it's worth reviewing if you are interested. View the complete study here: https://www.science.org/doi/10.1126/sciadv.aec2079

To get a Flood Insurance Quote
Message us directly to request a personalized flood insurance quote for your home or business.



Don't let the 30-day waiting period catch you off guard. Protect your most valuable asset today. Click "Send Message" to get started.

04/30/2026

This was originally made for our Private Lending partners, but given recent changes in Flood Zoning we feel that all homeowners should have the information to make an informed decision.

04/30/2026