Flood Insurance Risk Perception & Purchase Drivers Survey

Thanks for taking a few minutes to share your thoughts on flood insurance! Your answers help improve how flood risk and coverage options are communicated. Your responses are completely confidential and anonymized. This will take about 8 minutes, and there are no wrong answers.

Do you currently have flood insurance on your primary residence?

• Yes, a separate flood insurance policy
• Yes, bundled with my homeowners or renters policy
• No, but I have considered it
• No, I have not considered it
• Not sure

In the last 10 years, how many times has your property flooded or come close to flooding?

• Never
• Once
• Twice
• Three or more times
• Not sure / don't recall

How likely do you think it is that your property will experience flood damage in the next 10 years?

How much do you agree or disagree with each statement about flood insurance?

Which of the following matter most to you when deciding whether to buy or renew flood insurance?

• Annual premium cost
• Deductible amount
• Reputation of the insurer's claims process
• Coverage limits and what's included
• Recommendation from an insurance agent or broker
• Requirement from my mortgage lender or local government
• My own past experience with flooding
• How easy the policy is to purchase or manage online

Thinking about an annual flood insurance premium for your home, please answer honestly with a dollar amount for each question.

• At what annual premium would flood insurance for your home be so inexpensive that you'd start to question its quality or coverage? (Template note: adjust the coverage amount referenced here — e.g. up to $250,000 in building property — to match the policy limit you're pricing.)
• At what annual premium would flood insurance for your home feel like a bargain — great value for the coverage?
• At what annual premium would flood insurance for your home start to feel expensive, though you might still consider buying it?
• At what annual premium would flood insurance for your home be so expensive that you would not consider buying it at all?

If you have ever filed a flood insurance claim, how satisfied were you with the claims process? (Skip if this doesn't apply to you.)

If you don't currently have flood insurance, what is the main reason?

• Too expensive
• I don't think my property is at risk
• Not available in my area
• The application process seems too confusing
• I'm already covered through another policy
• I didn't know it was an option

Reconstruct the respondent's actual decision-making process the last time they considered buying, renewing, or dropping flood insurance: what specific event, conversation, or piece of information triggered that decision, and what almost changed their mind. If they rated their flood risk as low but their answers suggest they live in a flood-prone area (or vice versa), probe where that risk belief came from and whether they've ever checked an official flood map. If they've never had coverage, ask what would need to be true for them to buy it in the next year.

How likely are you to purchase or renew flood insurance in the next 12 months?

Which best describes your current housing situation?

• I own my home
• I rent my home
• Other
• Prefer not to say

Is your property located in a designated high-risk flood zone (e.g., a FEMA Special Flood Hazard Area or your country's equivalent)?

• Yes
• No
• Not sure
• Prefer not to say

What is your age range?

• Under 25
• 25–34
• 35–44
• 45–54
• 55–64
• 65 or older
• Prefer not to say

What is your annual household income?

• Under $50,000
• $50,000–$99,999
• $100,000–$149,999
• $150,000 or more
• Prefer not to say

That's everything — thank you for sharing your perspective! Your responses will feed into research on making flood risk information and insurance options clearer for homeowners and renters like you.