Work With Joe Flood

Flood Insurance

Joe is the President and CEO of Joe Flood Insurance Brokerage Inc. (JFIB), an MGA and a digital flood marketplace. With their proprietary product, Upstream, and their technology, clients can rate compare against multiple flood insurance companies including the NFIP. As a national brokerage writing in over 30 states, JFIB is equipped to be your flood department, from large, complex commercial accounts to single family dwellings. Utilize the experienced JFIB team, and the simplicity of innovative technology to make quoting, underwriting, and selling flood insurance effortless and successful.

Upstream by Joe Flood Insurance Brokerage JFIB's proprietary program, Upstream, is underwritten by the experts at JFIB. Upstream features are listed in the Upstream Info Sheet.


When dealing with any project in a high-risk flood zone, flood insurance is only one part of an overall risk and cost reduction strategy. There are times when you may be able to remove the requirement of having flood insurance, which can reduce costs. Additionally, in new construction, it is critical to know how high to elevate a building, what the cost is, and strategies to further reduce risk. This has become even more important with FEMA's implementation of Risk Rating 2.0. Contact Joe to begin your consultation.

Begin your free consulting consultation Upload your elevation certificate under "Contact Joe Flood" for a free review. You may be eligible for a LOMA, and we can check your building for floodplain management compliance. For larger projects with multiple buildings, contact Joe via email.

Education and Outreach

One of the most important parts of flood insurance and floodplain management is educating you and your staff, as well as outreach to stakeholders. Joe regularly holds public outreach meetings, Community Rating System (CRS) offerings, and office meetings across the country. Joe is nationally recognized for his ability to educate and make flood simple. Have Joe educate your organization, community, or association today.

Book Joe Flood to educate your organization Below are some available classes offered by Joe

This three hour CE class takes a deep dive into flood insurance.  The course beings with a comprehensive history of the NFIP, then moves into understanding policy forms, private flood insurance, and how to read an elevation certificate.  The course also dives into flood mapping, floodplain management and legislative changes.  

Course Length: 3 hours

CE Credits: MA Insurance Agents receive 3 CEUs

“Flood Errors and Omissions” class takes you through some of the most common E&O claims for flood.  The course focuses on how to eliminate exposures from flood insurance to better protect you as an agent.  The course explains what disclosures and documents the insured must sign off on, as well as reviewing flood policy nuances and how they might create an E&O exposure.  The course reviews the importance of explaining coverages to the insured, as well as how recent legislative changes have given agents more E&O exposure.  

Course Length: 2 hours

CE Credits: MA Insurance Agents receive 2 CEUs

As flooding and flood risk continue to become a major problem in the U.S., clients rely more and more on real estate professionals to help guide them through flood insurance and to help them understand flood risk.  “Flood Insurance in Real Estate” gives real estate professionals a detailed review of flood insurance, and the resources to help their clients.  From understanding the parts of a flood policy, to the flood insurance marketplace, this course also introduces the “real estate roadmap” that gives a real estate perspective on explaining flood risk.  

Course Length: 2 hours

Audience: real estate professionals 

Have a small office meeting that you need some basic flood insurance information reviewed?  Joe Flood’s standard real estate office visit is a perfect fit for your educational needs.  Joe can customize a presentation for your office, in settings with 5 people or 50.  Information can include recent flooding events, flood insurance, flood mapping, reading an elevation certificate, building standards, and more. 

Course Length: 30 minutes to 2 hours

Audience: real estate professionals 


Joe is one of the most sought-after speakers in the flood insurance industry. From event keynotes to conference panelist, Joe has spoken at dozens of conferences across the country for over ten years. Joe speaks with enthusiasm on many different flood related topics, but what sets Joe apart is his perspective. As a nationally recognized flood insurance expert, community official, and award-winning CRS specialist, Joe can give a comprehensive and lively discussion on any flood topic. Book Joe today to give a keynote, be a conference panelist, or speak to your organization about America's most costly peril; flood. Joe has spoken for The Society of Risk Management Consultants, FEMA Regions 1 and 5, the National Flood Conference, the National Flood Association, and more.

Book Joe Flood to speak at your next event Below are some recent presentations and keynotes.

When an agent is presented with a client who needs flood insurance, there are many options now in the flood marketplace.  There are over 140 companies offering private flood options.  Those options can offer better coverage at a better price.  But not always.  Without an agents due diligence, insureds may be missing out on the benefits from the NFIP.  This keynote begins by talking about the penalties of leaving or not at least looking at the National Flood Insurance Program.  Then, we dive into the process an agent should go through in order to write the flood policy.  The course will review underwriting guidelines, examples of both the NFIP and private flood insurance, and how they can also work together. 

Talk Length: 45 minutes to 1 hour

Audience: Insurance agents, real estate professionals 

Flood insurance is typically viewed as that pesky lender required policy that will never pay out.  But time and time again, floods show us that those communities that are well insured rebound faster.  In ‘Flood Insurance as a Tool For Community Resiliency”, Joe gives a unique perspective of flood insurance, as being viewed as a “bank account” for community resiliency.  As part of the presentation, Joe reviews the other “silos” of financial resiliency, proving that flood insurance is the best tool for recovery.  

Talk Length: 45 minutes to 1 hour.  Also available for half day seminar.

Audience: Anyone looking to broaden the appeal of flood insurance, and get a different perspective of flood risk. 

In late 2021, FEMA began the implementation of Risk Rating 2.0, also known as Equity in Action.  The new rating methodology has transformed how the NFIP rates structures.  Equity in Action’s more nuanced rating approach will no longer be based on flood zones or base flood elevation, but rather employ a “graduated” rating system that evaluates factors such as distance to water, types of flood exposure, replacement cost, and other advanced elements.

With all the changes happening to the NFIP, there are a lot of things that are not changing.  “Risk Rating 2.0: An Overview” dives into what is changing, and what is not with Equity in Action.  The course then gives several rating examples and shows how mitigation, building location, and other factors affect pricing.

Course Length: 30 – 45 minutes.

Audience: General stakeholders concerned about changes to the flood insurance program.

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