FLEXIBLE FLOOD INSURANCE
Get a Quote for Flood Insurance
Explore flexible flood insurance coverage designed to protect your home and belongings. Complete the form to receive your personalized flood insurance quote.
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WHY ORION180 FLOOD
Six Ways Orion180 Beats the Competition
Cover Your Home in 10 Days or Less
NFIPs 30-day waiting period leaves you exposed for nearly a full month. Orion180 policies activate in just 10 days; which can even be waived for new home purchases and mortgage requirements.
Claims Resolved in 17 Days on Average
NFIP and many private carriers can take months to resolve flood claims after a major storm. Orion180 averages 17-day claims resolution. After a flood, that speed is the difference between starting recovery and waiting on a check.
Priced On Your Property
Orion180 uses elevation, first floor height, distance from water, topography, and drainage to price your property's actual flood risk, not just the zone you sit in.
More than 4,000 5-Star Google Reviews
Service after a flood matters as much as the policy itself. Orion180 has 4,000+ 5-star reviews on Google, backed by strong financial ratings and dependable claims support.
Hotel & Living Expenses Coverage
NFIP does not cover hotel stays or temporary housing while your home is unlivable after a flood. Orion180 offers Loss of Use coverage, paying for hotel stays and added living expenses during repairs.
Rooftop-Level Location Analysis
Most carriers price your home based on the broader neighborhood or zip code. Orion180 uses rooftop-level geocoding to evaluate your home's exact location which delivers more accurate (and often lower) pricing than zone-based policies.
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Why Florida Homeowners are Choosing Orion180 for Flood Insurance
We compared Orion180 head-to-head against NFIP, Neptune Flood, and Beyond Floods on the things that matter most: activation speed, claims resolution time, what's actually covered, and pricing that reflects your property.
4,000+ Google reviews
10 day
Coverage activation
Avg. claims resolution
17 day
Zero
State abandonment
★★★★★
4,000+ Google Reviews
5★ Rating for Compassionate Service, Claims, and Support
HEAD-TO-HEAD
Orion180 FLEX vs. NFIP, Neptune & Beyond Floods
Every feature that matters to a Florida homeowner, compared across the four most common flood insurance options in the market.
| Feature | Orion180 | NFIP (FEMA) | Neptune Flood | Beyond Floods |
|---|---|---|---|---|
| Claims resolution speed | 17 days avg. | 30–90 days | Weeks to months | Not published |
| Loss of use/living expenses | Optional | Not covered | Optional | Optional |
| Personal belongings coverage | Includes coverage up to $250,000, replacement cost available | $100K cap | Higher limits than NFIP | Higher limits than NFIP |
| Basement & crawlspace coverage | Limited coverage included | Severely limited | Limited | Included |
| Debris removal & cleanup | Included | Limited | Limited | Included |
| Customizable coverage & deductible | True customization in coverage and deductible | Standard tiers only | Some flexibility | Some flexibility |
| Customer satisfaction rating | 4000+ 5★ Google reviews | Not rated by customer reviews | Mostly positive | Mostly positive |
Your Home’s Structure
Repairs walls, floors, doors, and other parts damaged by outside floodwater.
OUR COVERAGES
What Orion180 Flood Insurance Offers
Coverage designed for how floods actually impact homes, designed with key items NFIP does not include.
Systems & Utilities
Covers electrical, plumbing, HVAC, and foundation systems.
Personal Belongings
Protects furniture, clothing, electronics, and other covered items.
Basements & Crawlspaces
Provides limited coverage for lower-level systems and equipment.
Flood Debris & Dry-Out
Covers debris removal, drying, and cleanup after a flood.
Loss of Use Coverage
Helps pay for hotel stays and extra living costs during flood repairs.
HOW YOUR RATE IS CALCULATED
Rates That Reflect Your Property, Not A Generic Zone
Elevation
Homes built above base flood elevation often qualify for lower premiums due to reduced flood exposure.
First Floor Height
The higher your first floor sits above ground, the less likely it is to experience damage from rising water.
Surrounding Topography
Natural slopes or grading that directs water away from your home can reduce potential flood impact and premium.
Drainage Conditions
Homes in areas with strong drainage or modern infrastructure may face less pooling and qualify for improved rates.
Advanced Flood Modeling
Advanced hydrodynamic and hydrologic modeling identifies homes with naturally lower risk, even near the coast.
Pinpoint Location Analysis
Rooftop-level geocoding evaluates your home's exact location, not just a neighborhood or zip code average.
Don't Wait 30 Days for Flood Protection
A lot can happen in a month. While the NFIP makes you wait 30 days for coverage to activate, Orion180 gets you protected in just 10. Leverage our property-level pricing to ensure you aren't being overcharged by outdated flood maps.
RAVE REVIEWS
Orion180 Insurance Reviews
"Our [adjuster], Daisy Ceja, worked clearly, transparently, and thoroughly to make sure that our claims were fairly treated…Her hard work means we'll be able to fix our deck and replace appliances damaged in a recent storm... She made our insurance work the way it is supposed to work, and we couldn't be more thankful."
Brad Conaway
“Great experience with Cliff. He always answered back really quick anytime I had questions. He thoroughly explained my policy to me. Worked quickly to get everything resolved. After hearing nightmare insurance stories from others I was very pleased and grateful for the hard work and dedication Cliff and his team put into our claim. Would highly recommend!!!”
Shelby James
“We’ve been with Orion180 for one year and at renewal, we accidentally selected the wrong option for payment. Byron Silva did an excellent job of de-escalating an upsetting situation and we are grateful for his help!! We’d also like to thank his supervisor, Kaitlyn Zinke, Byron’s supervisor for approving the solution to our issue. I highly recommend Orion! The customer service was on point.”
Shannon Mosley