Tampa flood insurance, compared
NFIP and private flood, side by side.
NymbleFlood is the comparative rater from Nymble Insurance. Start with an address. We read the FEMA flood zone, then line up a Risk Rating 2.0 estimate with private markets.
Call (813) 291-3484 if you would rather talk it through.
Official NFIP quotes come only from the Wright NFIP Quote API. Until that credential is connected, the NFIP number is labeled an estimate.
Private prices in this version are sample data from the carrier adapters. They are not bindable premiums.
Binding is a request to Kim at Nymble Insurance. No payment is collected here.
How a quote starts
1
Address
We geocode the property and read FEMA NFHL layer 28 for zone, SFHA, and base flood elevation.
2
A short form
Occupancy, year built, coverage, claims, and whether you already have NFIP. Wright needs a name before a real NFIP request.
3
Side by side
Each carrier result carries a compliance label: estimate, sample quote, or portal only. You can ask Kim to bind.
What the comparison is for
NFIP rates are the same at every Write-Your-Own carrier, so NymbleFlood shows one NFIP figure next to private options. Private forms can differ on additional living expense, basement coverage, waiting period, and minimum earned premium. Florida requires a written notice before someone leaves subsidized NFIP coverage.
Phase 1, API adapters
Wright NFIP, Focus Flood, Hiscox FloodPlus, Wright excess, Neptune, CATcoverage, Flood Risk Solutions.
Phase 2, portal links
Sterling, Aon Edge, and Adaptive. No premium is invented for those cards.