Good Good Flood

The U.S. Capitol building at dusk under dark storm clouds, representing the government shutdown that halted the National Flood Insurance Program and shifted attention to private flood insurance.

Flood Insurance Friday: Shutdown Chaos and the Rise of Private Flood Insurance

The U.S. Capitol building at dusk under dark storm clouds, representing the government shutdown that halted the National Flood Insurance Program and shifted attention to private flood insurance.
While the NFIP remains shut down, Good Good Flood continues to issue same-day private flood insurance policies so buyers and lenders can close on time.

When the government shuts down, it doesn’t just make headlines — it throws the flood insurance world into chaos. Closings are stalling, lenders are scrambling, and the National Flood Insurance Program (NFIP) has hit pause again.

But here’s the twist: while NFIP is frozen, private flood insurance is thriving — and it’s changing everything.

What’s Going On Right Now

Because of the government shutdown, NFIP can’t issue new flood policies or renewals.
If your policy’s already active, you’re fine for now — but any new homebuyers or property owners trying to close in a flood zone? They’re stuck… unless they know where to look.

That’s where private flood insurance comes in.

At Good Good Flood, we’ve been ahead of this curve for years — building relationships with multiple private carriers so our clients can close on time, every time.

Private Flood Insurance Takes the Spotlight

The Good

  • Same-day coverage. Every carrier we work with can issue same-day coverage for closings. No waiting, no stress, no delays.

  • Better pricing. In most cases, our private carriers beat NFIP rates — often by hundreds of dollars a year.

  • More flexible coverage. Options for higher limits, contents, replacement cost, loss of use, and other benefits NFIP can’t touch.

  • Real service. No bureaucracy, no “government hours.” We move fast because your closing depends on it.

The Bad

  • Confusion. Many lenders and agents still think NFIP is the only option. They’re finding out the hard way that private flood is not just allowed — it’s often better.

  • Old habits die hard. Too many people still wait for FEMA to reopen instead of finding real solutions that exist today.

The Truth: Private Flood Isn’t “New” — It’s Just Finally Getting Noticed

Private flood insurance has been around for years — but it’s been the best-kept secret in real estate. Now, thanks to the shutdown, everyone’s talking about it.

Lenders are realizing they can accept private flood policies, title companies are adjusting their workflows, and agents are discovering they can help their clients close faster and cheaper — without waiting on Washington.

Who’s Feeling It (and What You Can Do)

Homebuyers

Don’t wait for the government. We can bind coverage today and keep your closing on schedule.

Realtors

Partner with a flood agency that can move quickly. We’ll quote, bind, and issue same-day so your deal never gets stuck in limbo.

Lenders

Stop holding files over NFIP delays. Private flood meets compliance standards and protects your collateral — often with stronger coverage than FEMA.

Homeowners

If your NFIP policy is coming up for renewal, you can’t renew during the shutdown. Switch to private flood today and never worry about another lapse again.

Why Deals Are Blowing Up Elsewhere

  • Lenders or title companies waited on NFIP.

  • Borrowers didn’t know private flood was an option.

  • Other agencies couldn’t bind same-day and missed closing windows.

That’s not a problem here — because at Good Good Flood, we’ve built our entire process for speed, flexibility, and reliability.

The Good Good Flood Advantage

While others are waiting for Washington, we’re helping clients close deals, save money, and stay protected.

Private flood insurance isn’t the “backup plan” anymore — it’s the best plan.
And right now, it’s the only one that’s open for business.