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Flood Insurance Underwriter Jobs (NOW HIRING)

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 ...

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 ...

... flood insurance - one of the fastest-growing and most underserved segments of the P&C market. We ... You understand underwriting, can navigate carrier systems, and know how to deliver a confident ...

... in flood insurance -- one of the fastest-growing and most underserved segments of the P&C market ... You understand underwriting, can navigate carrier systems, and know how to deliver a confident ...

Agency Development Manager

Tampa, FL · On-site

$65K - $85K/yr

... flood insurance - one of the fastest-growing and most underserved segments of the P&C market. We ... You understand underwriting, can navigate carrier systems, and know how to deliver a confident ...

Underwriter / Loan Processor

Los Angeles, CA · On-site

$43K - $59K/yr

Order and review third party reports, including appraisals, title, flood, insurance, and background ... Underwriting support: * Spread borrower financials, build sources and uses, and prepare initial ...

Underwriter / Loan Processor

Los Angeles, CA · On-site

$43K - $59K/yr

Order and review third party reports, including appraisals, title, flood, insurance, and background ... Underwriting support: * Spread borrower financials, build sources and uses, and prepare initial ...

Order and review third party reports, including appraisals, title, flood, insurance, and background ... Underwriting support: * Spread borrower financials, build sources and uses, and prepare initial ...

Mortgage Processor

Annapolis, MD · On-site

$27.50 - $39.25/hr

Submit loans to Underwriting when ready. Document file with loan notes and Incomplete Notices on a ... If file has flood insurance, Processor is to complete the Flood Insurance Coverage checklist and ...

Mortgage Processor

Annapolis, MD · On-site

$27.50 - $39.25/hr

Submit loans to Underwriting when ready. Document file with loan notes and Incomplete Notices on a ... If file has flood insurance, Processor is to complete the Flood Insurance Coverage checklist and ...

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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 16, 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:
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.
Producer- Flood

Producer- Flood

Gallagher

Fort Lauderdale, FL

Other

Medical, Dental, Vision, Life, Retirement

Re-posted 14 days ago


Arthur J. Gallagher & Co. rating

7.8

Company rating: 7.8 out of 10

Based on 91 frontline employees who took The Breakroom Quiz

168th of 281 rated insurance


Job description

Introduction
At RPS, we don’t just embrace bold ideas, we make them happen. We’re a team of entrepreneurs, big-picture thinkers, and passionate experts who thrive on possibility. Every day, we collaborate across teams, challenge convention, and push boundaries to design innovative solutions for our clients. With access to top-rated carriers and a dynamic marketplace, we bring strategy and creativity together to deliver what others might call impossible. Here, every voice counts, every perspective matters, and every challenge is an opportunity to grow. You’ll be supported by a culture that celebrates ownership, curiosity, and high performance, where you’re trusted to do your best work and encouraged to keep learning along the way.

Overview

Join Gallagher's Risk Placement Services (RPS) team as a Broker. You'll play a key role in helping businesses protect what matters most. This role is all about building relationships, finding opportunities, and delivering tailored insurance solutions. If you're passionate about making a difference and enjoy working in a collaborative environment, this could be the perfect fit for you.   This is aproduction role with sales goals and metrics. 


How you'll make an impact

RPS has a dedicated Flood Team offering flood insurance solutions countrywide with multiple exclusive Private and Excess London contracts, access to open brokerage and parametric markets, strong relationships with NFIP servicing companies, and a retail-facing digital platform designed to streamline distribution. Our infrastructure and partnerships give you the tools to elevate your career, now we need your technical expertise and retailer relationships to take it to the next level.

this role, you’ll connect with clients to understand their unique needs and provide insurance solutions that work for them. You’ll identify new business opportunities, build strong relationships, and deliver exceptional service. By staying informed about industry trends and collaborating with internal teams, you’ll ensure clients receive the best advice and support. You’ll also attend industry events to expand your network and promote RPS services.

  • Develop and implement sales strategies to grow your portfolio.
  • Conduct risk assessments and recommend tailored insurance products.
  • Work closely with underwriters and account managers to deliver seamless service.
  • Stay updated on market trends and competitor activities.

About You
  • Bachelor's degree, 1 year related experience, and appropriate insurance licensing required OR Bachelor's degree, participation in Gallagher's Sales Internship Program (GSIP), and appropriate insurance licensing required OR High School Diploma/GED and 6 years experience
  • Preferred: Professional designation may be preferred, including CEBS, CPCU, CIC or ARM.
  • Experience in insurance sales or business development, ideally in the wholesale space.
  • Knowledge of insurance products, risk management, and industry regulations.
  • Great communication and negotiation skills.
  • The ability to work independently and as part of a team.
  • Proficiency in Microsoft Office and CRM tools.
  • Relevant insurance licenses as required by state regulations.

Compensation and benefits

We offer a competitive and comprehensive compensation package. The base salary range represents the anticipated low end and high end of the range for this position. The actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. 

Below are the minimum core benefits you’ll get, depending on your job level these benefits may improve:

  • Medical/dental/vision plans, which start from day one!
  • Life and accident insurance
  • 401(K) and Roth options
  • Tax-advantaged accounts (HSA, FSA)
  • Educational expense reimbursement
  • Paid parental leave

Other benefits include:

  • Digital mental health services (Talkspace)
  • Flexible work hours (availability varies by office and job function)
  • Training programs
  • Gallagher Thrive program – elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing
  • Charitable matching gift program
  • And more...

**The benefits summary above applies to fulltime positions. If you are not applying for a fulltime position, details about benefits will be provided during the selection process.

We value inclusion and diversity

Click Here to review our U.S. Eligibility Requirements

Inclusion and diversity (I&D) is a core part of our business, and it’s embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work.

Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest.

Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as “protected characteristics”) by applicable federal, state, or local laws.

Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

Qualifications:
  • Bachelor's degree, 1 year related experience, and appropriate insurance licensing required OR Bachelor's degree, participation in Gallagher's Sales Internship Program (GSIP), and appropriate insurance licensing required OR High School Diploma/GED and 6 years experience
  • Preferred: Professional designation may be preferred, including CEBS, CPCU, CIC or ARM.
  • Experience in insurance sales or business development, ideally in the wholesale space.
  • Knowledge of insurance products, risk management, and industry regulations.
  • Great communication and negotiation skills.
  • The ability to work independently and as part of a team.
  • Proficiency in Microsoft Office and CRM tools.
  • Relevant insurance licenses as required by state regulations.
Education:UNAVAILABLEEmployment Type: UNAVAILABLE

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