Wright Flood Insurance Company Review

We've looked at over 1,000 insurance companies rating them on strength, accessibility, and service to find the best ones. Here's what people think about Wright Flood Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


Wright Flood Insurance Company at a Glance

  • Founded in 1983
  • The nation's largest flood insurance company
  • Rated "A-" (excellent) by AM Best
  • Rated "A-" (excellent) by the Better Business Bureau (BBB)
  • Coverage sold through the National Flood Insurance Program (NFIP)
  • 24-hour claims reporting

Wright Flood pros: Four decades' of experience in the industry. Coverage backed by FEMA. Works with independent insurance agents. 24-hour claims reporting. High ratings by AM Best and the BBB. 

Wright Flood cons: Not accredited by the BBB. Limited coverage options. Some complaints filed through the BBB.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Wright Flood Offer?

Wright Flood is a specialized insurance company, which focuses on the following.

  • Flood insurance
  • Excess flood insurance

Your independent insurance agent can help you find more information about the coverages offered by Wright Flood, and help you decide if this insurance company is right for you.

What to Know about Wright Flood

Founded in 1983, Wright Flood has nearly four decades' worth of experience in the insurance industry under their belt. The carrier offers flood insurance through the National Flood Insurance Program (NFIP). Coverage is available for individuals and businesses for many different kinds of property.

Wright Flood works with a team of more than 17,000 independent insurance agents to help customers get the best experience possible. Wright Flood's policies are backed by FEMA. There are about 150 employees on Wright Flood's LinkedIn network and the carrier is headquartered in St. Petersburg, FL.

Thanks to its high quality flood coverage and large network of independent insurance agents, Wright Flood has earned a reputation over time as a reputable and financially sound insurance company. AM Best gives Wright Flood an overall “A-” rating, indicating the carrier is an excellent choice.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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What Discounts Does Wright Flood Offer?

Wright Flood does not make any discount information readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most discounts and other ways to save on your coverage.

Wright Flood Customer Service

Here's a breakdown of Wright Flood's customer service availability. 

  • Phone contact option
  • Fax contact option
  • Snail mail contact option
  • Email contact option
  • Online bill pay and claims reporting
  • Customer service department does not specify hours

To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Wright Flood FAQ

What is Wright Flood's average claim response time frame?

Wright Flood does not offer a specific claims response time frame. However, they offer 24-hour claims reporting.

What is Wright Flood's customer service availability?

Wright Flood allows customers to contact them via several mediums. They do not specify their customer service hours on their website. 

What is Wright Flood's claims process?

Wright Flood's official website states the following about their claims process:

"We hope you never suffer a flood loss but if you do we want to make your claim process as stress free as we can. At time of claim is when Wright Flood’s single focus on flood insurance is your best benefit. Our in-house, flood claims management team earns your confidence with proven catastrophe handling expertise, 24-hour claims reporting, and flood adjusters dedicated to integrity and service.

Report a Claim
Your Wright Flood insurance agent can open a claim for you. Reach them at the phone number shown on your policy."

Does Wright Flood create a user-friendly experience for customers?

Wright Flood's website is easy to navigate. The insurance company offers 24-hour claims reporting. The carrier also has a social media presence. Overall, Wright Flood does create a user-friendly experience. 

Does Wright Flood have good flood insurance?

Wright Flood's flood insurance is sold through the National Flood Insurance Program and is backed by FEMA. As far as flood insurance goes, it doesn't get more solid than that. 

Is Wright Flood a good insurance company?

Wright Flood is highly rated by AM Best and the BBB. They offer coverage that's backed by FEMA. Customer feedback is mostly positive. Overall, Wright Flood can be considered a good insurance company.

Wright Flood Customer Reviews

5 Stars
No negative only positive experiences. I have never filed for flood damage.

We've always had Wright Flood Insurance and wouldn't choose anyone else. We haven't had to file a claim but their rates are competitive and their customer service is excellent.

5 Stars
Flooded once and they were out the next day to assess. The adjuster was very thorough and gave us a lot more money to replace damages than I ever expected.

I closed on a new home and my home was zoned in a flood zone, by mistake so I got insurance through this company, and then received the correct doc from the builders and FEMA stating I'm not in a flood zone, I faxed over the map and the doc from FEMA to canceled the insurance, which I did on the 9th of October, and I e-signed documents to cancel, just to find out today, that they did not cancel my insurance and states they have to do a recheck, this is ridiculous, even my mortgage company received the same doc and sent me out a letter stating I did not need flood insurance. I will never use them again or refer this company.

This is flood insurance. I don't like that I have to have it, but since it's required I'm glad I went with Wright Flood. They have excellent customer service especially after a big storm when they are needed most.

TrustedChoice.com's Final Review

We award Wright Flood a final rating of 3.25 out of 5 stars. The insurance company has about four decades' worth of experience at this point and is highly rated by AM Best and the BBB. Customer feedback is mostly positive. 

Wright Flood is the nation's largest flood insurance company. They offer legitimate coverage backed by FEMA and sold through the NFIP. They also work with a team of independent insurance agents and offer 24-hour claims reporting.

Overall, we highly recommend looking into Wright Flood insurance company with the help of your independent insurance agent to be your next trusted carrier for flood coverage.

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