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Flood Insurance Underwriter Jobs (NOW HIRING)

Hyperiongrp

Sr. Underwriter Flood

Chicago, IL · Hybrid

$125K - $150K/yr

Vice President, Flood Travel: 10-25% Salary: $125,000.00- 150,000.00 Location: United States ... Continuing education, professional designations, or related P&C licensing in insurance underwriting ...

Hyperiongrp

Sr. Underwriter Flood

San Diego, CA · Hybrid

$125K - $150K/yr

Vice President, Flood Travel: 10-25% Salary: $125,000.00- 150,000.00 Location: United States ... Continuing education, professional designations, or related P&C licensing in insurance underwriting ...

SWBC

Excess Flood Underwriter

San Antonio, TX · On-site

As an Excess Flood Underwriter, you will be able to use your skills to offer competitive quotes ... While using your attention to detail ability, you will work with insurance agents & brokers and ...

SWBC

Excess Flood Underwriter

San Antonio, TX · On-site

As an Excess Flood Underwriter, you will be able to use your skills to offer competitive quotes ... While using your attention to detail ability, you will work with insurance agents & brokers and ...

Hanover R.S. Limited Partnership

This position works directly with senior leaders, insurance brokers, underwriters, legal counsel ... National Flood Insurance Program * Lead Hanover's National Flood Insurance Program, including ...

Hanover Company

Risk Management Specialist

Houston, TX · On-site

This position works directly with senior leaders, insurance brokers, underwriters, legal counsel ... National Flood Insurance Program * Lead Hanover's National Flood Insurance Program, including ...

BCforward

Underwriting Specialist

Overland Park, KS

$21.50/hr

Strong verbal and written skills to communicate with underwriter and brokers * Must be very ... Flood insurance or an insurance background is preferred but not required. Attention to detail ...

Gallagher

Producer- Flood

Tampa, FL

How you'll make an impact RPS has a dedicated Flood Team offering flood insurance solutions ... insurance products. * Work closely with underwriters and account managers to deliver seamless ...

Gallagher

Producer- Flood

Fort Lauderdale, FL

How you'll make an impact RPS has a dedicated Flood Team offering flood insurance solutions ... insurance products. * Work closely with underwriters and account managers to deliver seamless ...

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Flood Insurance Underwriter information

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$33.5K

$66.8K

$152K

How much do flood insurance underwriter jobs pay per year?

As of Jun 17, 2026, the average yearly pay for flood insurance underwriter in the United States is $66,771.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,500.00 and $67,500.00 per year, depending on experience, location, and employer.

What are some typical challenges Flood Insurance Underwriters face in their daily work?

Flood Insurance Underwriters often face the challenge of assessing complex and evolving flood risks, especially as climate patterns change and new data becomes available. They must keep current with regulations, interpret technical flood maps, and make informed decisions even when data is incomplete or ambiguous. Collaboration with agents, brokers, and risk assessors is common, requiring effective communication to clarify policy terms and risk exposures. Successfully navigating these challenges is key to providing accurate coverage and maintaining strong customer relationships.

Will AI replace underwriting?

AI is increasingly used in flood insurance underwriting to analyze data and assess risk more efficiently. However, human underwriters still play a vital role in interpreting complex situations, making judgment calls, and ensuring policy accuracy. The role is evolving with technology, but complete replacement is unlikely in the near term.

What are the key skills and qualifications needed to thrive in the Flood Insurance Underwriter position, and why are they important?

To thrive as a Flood Insurance Underwriter, you need strong analytical abilities, a solid understanding of risk assessment, and a background in insurance or finance—often supported by a bachelor's degree. Familiarity with risk modeling software, GIS mapping tools, and regulatory systems such as FEMA's National Flood Insurance Program (NFIP) is highly valued, as are professional designations like CPCU. Exceptional attention to detail, strong organizational skills, and clear communication abilities help set top candidates apart. These competencies ensure accurate risk evaluation, regulatory compliance, and effective collaboration with clients and colleagues in a high-stakes, detail-oriented field.

Are insurance underwriters in demand?

Insurance underwriters, including those specializing in flood insurance, are in steady demand due to the ongoing need for risk assessment and policy issuance. The role requires knowledge of industry regulations and often involves using specialized software, with employment prospects influenced by the insurance industry's stability and climate-related risks.

How much does an insurance underwriter make a year?

An insurance underwriter typically earns a median annual salary of around $70,000, with salaries ranging from approximately $50,000 to over $100,000 depending on experience, location, and industry. Flood insurance underwriters may also earn additional compensation through certifications and specialized knowledge in flood risk assessment.

What does a Flood Insurance Underwriter do?

A Flood Insurance Underwriter evaluates flood insurance applications to assess risk and determine coverage eligibility, premiums, and policy terms. They analyze factors such as flood zone classifications, property location, elevation certificates, and historical claims data. Underwriters ensure compliance with government regulations and insurance company guidelines while balancing risk management and customer needs. Their role helps protect homeowners and businesses against financial loss due to flooding.

Who underwrites FEMA flood insurance?

FEMA flood insurance is underwritten by the National Flood Insurance Program (NFIP), which is managed by the Federal Emergency Management Agency (FEMA). Insurance policies are issued through approved private insurance companies that participate in the NFIP, and underwriters assess risk based on flood zone maps and other criteria. Flood insurance underwriters evaluate property risk, set premiums, and ensure policies comply with federal standards within the NFIP framework.
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Flood Insurance Underwriter jobs near you
Underwriter

Underwriter

Marsh & McLennan Companies, Inc.

Kalispell, MT • On-site

Full-time

Posted 8 days ago

Job description

Company:
Torrent
Description:
We are seeking a talented individual to join our Underwriting team at Torrent Technologies. This role will be based in Kalispell, or can be performed Remotely Nationwide.
As a Flood Underwriter, you will work under the supervision of the Underwriting Manager, reviewing and analyzing quotations while servicing an existing book of business.
We will count on you to:
  • Underwrite new submissions to ensure new policies are correct, per guidelines.
  • Process endorsements, cancellations, and reinstatements, handle billing issues, and complete policy issuance.
  • Review all underwriting information, including applications, photographs, elevation certificates, and third-party internet resources to accurately underwrite policies.
  • Provide customer service to agents via phone support, online chat, and emails, meeting required production KPIs as defined by leadership.
  • Deescalate difficult customer situations and bring them to complete resolution.
  • Actively participate in group activities, including daily huddles, team meetings, and training opportunities.

What you need to have:
  • High school diploma or equivalent.
  • 1+ year of insurance underwriting or recent flood insurance experience.
  • Excellent written and verbal communication skills.
  • Basic to intermediate technical knowledge of systems and procedures, with attention to detail.
  • Basic computer knowledge and proficiency in the Microsoft Office suite, particularly Word, Excel, and Outlook.

What makes you stand out:
  • Previous customer service experience.
  • 2+ years of underwriting experience with an ANFI designation.
  • Experience with underwriting methodologies and flood insurance practices, along with familiarity with organizational insurance procedures and policies.
  • Strong time management skills and the ability to work effectively in a team environment.
  • Strong interpersonal skills for interacting with team members and clients.

Why join our team:
  • We help you be your best through professional development opportunities, interesting work and supportive leaders.
  • We foster a vibrant and inclusive culture where you can work with talented colleagues to create new solutions and have an impact on colleagues, clients and communities.
  • Our scale enables us to provide a range of career opportunities, as well as benefits and rewards to enhance your well-being.

Marsh Risk is a business of Marsh (NYSE: MRSH), a global leader in risk, reinsurance and capital, people and investments, and management consulting, advising clients in 130 countries. With annual revenue of over $27 billion and more than 95,000 colleagues, Marsh helps build the confidence to thrive through the power of perspective. For more information about Marsh Risk, visit marsh.com, or follow us on LinkedIn and X.
Torrent offers a connected culture of talented, inspired individuals, and a work environment where colleagues can grow and succeed. At Torrent, your voice is heard, your skills are sharpened and your ambitions nurtured. We value diversity in thought and background and are looking for individuals who are up for the challenge of creating insurance experiences of the future. If that's you, join us on our journey. Torrent Technologies is the leading flood insurance solutions provider in the US. Its integrated suite of business software platforms along with simplified private flood insurance, and customer-focused service and support solutions, have revolutionized the flood insurance landscape. Torrent is recognized for our deep flood insurance expertise and advanced technology capabilities. We provide market leading service and administration to Write Your Own (WYO) insurance companies and agents including direct access to both the National Flood Insurance Program (NFIP) and innovative private insurance products.
Marsh is committed to embracing a diverse, inclusive and flexible work environment. We aim to attract and retain the best people and embrace diversity of age background, disability, ethnic origin, family duties, gender orientation or expression, marital status, nationality, parental status, personal or social status, political affiliation, race, religion and beliefs, sex/gender, sexual orientation or expression, skin color, veteran status (including protected veterans), or any other characteristic protected by applicable law. If you have a need that requires accommodation, please let us know by contacting reasonableaccommodations@marsh.com.
Marsh is committed to hybrid work, which includes the flexibility of working remotely and the collaboration, connections and professional development benefits of working together in the office. All Marsh colleagues are expected to be in their local office or working onsite with clients at least three days per week. Office-based teams will identify at least one "anchor day" per week on which their full team will be together in person.
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