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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 ...

FocusOne

Jr Underwriter

Houston, TX · On-site

Verify homeowners / hazard insurance (and flood or windstorm coverage where applicable), confirming ... One to three years of mortgage underwriting and/or loan processing experience, ideally including ...

FocusOne Mortgage Solutions

Jr Underwriter

Houston, TX · On-site

Verify homeowners / hazard insurance (and flood or windstorm coverage where applicable), confirming ... One to three years of mortgage underwriting and/or loan processing experience, ideally including ...

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 ...

Aon Corporation

Customer Service Specialist II

MT · Remote

$33K - $40K/yr

Establish yourself as a private flood insurance expert as you underwrite and process documents in line with carrier agreements, surplus lines rules, and state regulations. * Collaborate with agents ...

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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 Jul 14, 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.

How much do insurance policy underwriters make?

Insurance policy underwriters typically earn a median annual salary of around $70,000, with salaries ranging from approximately $45,000 to over $120,000 depending on experience, location, and industry. Flood insurance underwriters, a specialized role, may have similar compensation levels but often require knowledge of flood zone regulations and risk assessment tools.

Will AI replace underwriting?

AI is increasingly used in flood insurance underwriting to analyze data and assess risk more efficiently. However, human underwriters remain essential for complex cases, decision-making, and interpreting nuanced information. The role is evolving to include oversight of AI tools and data analysis skills.

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.

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.

What type of underwriter gets paid the most?

Senior or specialized flood insurance underwriters with extensive experience and advanced certifications tend to earn higher salaries. Underwriters working for large insurance companies or in managerial roles also typically receive higher pay. Expertise in risk assessment and proficiency with underwriting software can further increase earning potential.

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 compliance with federal guidelines within the NFIP framework.
More about Flood Insurance Underwriter jobs
What are the most commonly searched types of Flood Insurance Underwriter jobs? The most popular types of Flood Insurance Underwriter jobs are:
What states have the most Flood Insurance Underwriter jobs? States with the most job openings for Flood Insurance Underwriter jobs include:
What job categories do people searching Flood Insurance Underwriter jobs look for? The top searched job categories for Flood Insurance Underwriter jobs are:
Flood Insurance Underwriter jobs near you
Infographic showing various Flood Insurance Underwriter job openings in the United States as of July 2026, with employment types broken down into 55% Locum Tenens, 41% Full Time, 2% Part Time, and 2% Summer. Highlights an 90% Physical, 4% Hybrid, and 6% Remote job distribution, with an average salary of $66,771 per year, or $32.1 per hour.
Property and Flood Insurance Underwriter

Property and Flood Insurance Underwriter

Correll Insurance Group

Hilton Head Island, SC • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 20 days ago

Job description

Benefits:
  • HSA and FSA
  • Health insurance
  • Paid time off
  • Parental leave
  • Training & development
  • Vision insurance
  • Wellness resources
  • 401(k)
  • 401(k) matching
  • Competitive salary
  • Dental insurance
  • Donation matching
  • Employee discounts

SECU (South East Coastal Underwriters), a Member of Correll Insurance Group is in need of a detail-oriented Property and Flood Insurance Underwriter at our office in Hilton Head, SC.
Job Summary
We are seeking a detail-oriented Property & Flood Insurance Underwriter to evaluate residential and commercial property risks, including flood exposures, review underwriting submissions, analyze supporting documentation, and determine appropriate coverage, pricing, terms, and conditions. The ideal candidate will work closely with agents, carriers, and internal team members to assess risk, support profitable growth, maintain underwriting discipline, and ensure compliance with company guidelines and applicable insurance regulations.
Essential Duties and Responsibilities:
  • Review property and flood insurance applications, renewal submissions, endorsements, inspections, elevation certificates, loss runs, photographs, and other supporting documentation to evaluate risk and coverage eligibility.
  • Analyze property characteristics such as location, occupancy, construction type, protection class, valuation, prior losses, flood zone, elevation data, and catastrophe or weather-related exposures.
  • Determine appropriate coverage limits, deductibles, premiums, policy forms, endorsements, exclusions, and terms in accordance with carrier and company underwriting guidelines.
  • Use underwriting platforms, rating tools, mapping resources, flood zone data, and carrier systems to evaluate submissions and support sound underwriting decisions.
  • Collaborate with agents, brokers, carrier partners, and internal service teams to obtain additional information, clarify risk details, and communicate underwriting decisions.
  •  Review existing property and flood policies for changes in exposure, coverage needs, underwriting eligibility, or premium adequacy and recommend appropriate adjustments.
  • Stay informed on property and flood insurance market conditions, carrier appetite, underwriting trends, catastrophe exposure, NFIP-related updates, and applicable regulatory requirements.
  • Maintain accurate underwriting documentation and ensure decisions are made consistently, professionally, and in compliance with legal, regulatory, carrier, and internal standards.

Minimum Qualifications and Experience
  • Proven experience in property insurance underwriting, flood insurance underwriting, personal lines, commercial lines, or a closely related insurance role.
  • Strong knowledge of property risk evaluation, flood insurance concepts, coverage forms, underwriting guidelines, rating factors, and loss history analysis.
  • Proficiency with underwriting systems, rating platforms, carrier portals, mapping or flood zone resources, and Microsoft Office Suite.
  • Excellent written and verbal communication skills with the ability to explain underwriting decisions clearly and professionally to agents, carriers, and internal stakeholders.
  • Strong attention to detail, analytical judgment, time management skills, and ability to manage multiple submissions, renewals, and deadlines in a fast-paced environment.

Preferred Qualifications: 
  • Professional insurance designation or coursework such as CPCU, AU, ARM, AINS, ANFI, or related property and casualty training.
  • Experience underwriting property, flood, excess and surplus lines, coastal property, catastrophe-exposed risks, or other complex property accounts.
  • Familiarity with NFIP, private flood markets, FEMA flood maps, elevation certificates, replacement cost valuation, and applicable regulatory or carrier compliance standards.
 
Summary: 
If you are a detail-oriented insurance professional with strong analytical skills and experience evaluating property and flood risks, we encourage you to apply today. At Correll Insurance Group, we take pride in delivering quality insurance solutions, exceptional customer service, and a supportive, inclusive work environment for our team.

Flexible work from home options available.