Private FLood Insurance Wright Zurich

Wright and Zurich North America Help Close Flood Insurance Protection Gap with Launch of Residential Private Flood Insurance

New Private Flood Insurance Product Will Exp and the Flood Insurance Marketplace with Customizable Options

Responding to consumers’ growing dem and for protection from the risk of intensifying and exp anding catastrophic floods, Wright National Flood Insurance Services, LLC (WNFIS) and Zurich North America (Zurich) are introducing the Zurich Residential Private Flood Insurance program. This first-of-its-kind, st and-alone product will launch exclusively in Florida on September 3, with plans to exp and the coverage to 11 additional states in the future.

Zurich Residential Private Flood Insurance was created to address a protection gap that has become more urgent with the increase in frequency and severity of severe weather events. A startling 98 percent of counties throughout the United States have been impacted by flooding events.1

“With changing weather patterns and growing storm intensity across the country, the vast majority of homes are potentially at risk and most property owners need to consider the protection provided by flood insurance,” said Greg Massey, head of Programs for Zurich North America. “This innovative product offering exp ands coverage choices and helps bring simplicity to this area of the flood insurance marketplace.”

Similar to customization options available in st andard personal lines coverages, this is the first flood coverage, admitted and regulated by the state of Florida, which allows property owners to tailor their flood insurance policy to their specific needs.

“We are offering flood coverage that is not one-size-fits-all,” said James R. Watje, Senior Vice President of Private Flood at Wright National Flood Insurance Services. “Each home we cover is as unique as the people living in it. That’s why we created a product that will not only help protect your home, but also has the flexibility to customize that protection.”

Zurich Residential Private Flood Insurance will be sold exclusively by Wright’s partner agents and it is the only admitted st and-alone private flood option currently backed by an insurance provider with an A+ rating from AM Best.

  • Key features of the coverage include:
  • No waiting period
  • No Elevation Certificate required
  • Higher dwelling limits
  • Single deductible
  • Automatic replacement cost on both dwelling and personal property
  • Loss of Use, Other Structures, and Building Ordinance coverages
  • Optional Resiliency coverage (rebuilding with flood-resistive materials)

Recent and devastating events like Hurricanes Harvey and Irma, and record-high water levels in TexasLouisiana  and the Midwest have caused billions of dollars in damages. These events have proven that flood protection is important regardless of location or flood zone, because Mother Nature doesn’t follow lines on a map. And it doesn’t take an historic event to significantly impact property. Just a few inches of water can cause hundreds of thous ands of dollars in damage.

Fortunately, with Zurich Residential Private Flood Insurance, private property owners no longer have to be victims.

Property owners with questions about their policy or those interested in purchasing flood coverage and want to learn more about Zurich Residential Private Flood Insurance can contact their local Wright agent today.

To find a Wright agent, or if you are an agent who wants to become a Wright partner, please visit:


1 Federal Emergency Management Agency (FEMA). Data Visualization: Historical Flood Risk and Costs. Updated 10 May 2019
Rating as of July 31, 2019. A.M. Best is under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at The rating represents the overall financial status of the individual member companies of Zurich in North America, including Zurich American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of each issuing insurance company.
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