Flood

When do we use Selective flood coverage versus NFIP?

We use Selective private flood when the property scores favorably on Selective's underwriting model and private flood pricing beats or matches NFIP. Private flood through Selective frequently wins for Zone X and moderate-risk AE properties where NFIP pricing has risen under Risk Rating 2.0. Private flood through Selective also offers higher limits and additional living expense coverage that NFIP excludes. For high-risk coastal properties in Zone VE or properties required to carry NFIP by a lender as a condition of loan approval, NFIP is typically the primary option.

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When do we use Selective flood coverage versus NFIP?

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