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Flood Insurance Risk Perception & Purchase Drivers Survey

Measures how homeowners and renters perceive flood risk, what actually drives them to buy, renew, or skip flood insurance, and how they react to different premium price points. An AI follow-up interview reconstructs the real story behind each respondent's most recent coverage decision instead of just the policy status they select — ideal for insurers, agents, and public risk-communication teams.

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Sample questions

A preview of what’s in the template. Every question is editable before you launch.

16 questions · ~8 min
Q01
Message

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. This will take about 8 minutes, and there are no wrong answers.

Q02
Multiple ChoiceRequired

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
Q03
Multiple ChoiceRequired

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
Q04
Opinion ScaleRequired

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

Scale: 1 – 10
Min:Not at all likelyMax:Extremely likely
Q05
Matrix

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

5 rows × 5 columns
  • The cost of flood insurance is reasonable for the protection it provides
  • I trust flood insurers to pay claims fairly and quickly
  • Flood insurance is too complicated to understand
  • My mortgage lender or local government requires me to carry flood insurance
  • I would only buy flood insurance if I were legally required to
Columns: Strongly disagree · Disagree · Neutral · Agree · Strongly agree
Q06
Best–Worst Trade-off (MaxDiff)Required

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
Pick best & worst per setBest:Matters mostWorst:Matters least
Q07
Price Sensitivity (Van Westendorp)Required

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?
Q08
Rating Scale

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.)

Range: 1 – 5
Min:Very dissatisfiedMax:Very satisfied
Q09
Multiple Choice

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
Q10
AI Interview

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.

Q11
Opinion ScaleRequired

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

Scale: 1 – 10
Min:Not at all likelyMax:Extremely likely
Q12
Multiple Choice

Which best describes your current housing situation?

  • I own my home
  • I rent my home
  • Other
  • Prefer not to say
Q13
Multiple Choice

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
Q14
Multiple Choice

What is your age range?

  • Under 25
  • 25–34
  • 35–44
  • 45–54
  • 55–64
  • 65 or older
  • Prefer not to say
Q15
Multiple Choice

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
Q16
Message

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.

What’s included

  • AI follow-ups

    Adaptive probes on open-ended answers that pull out detail a static form would miss.

  • Attention checks

    Built-in safeguards against rushed answers and low-quality respondents.

  • AI-drafted copy

    Wording, ordering, and branching written by the AI — tuned to your research goal.

  • Auto report

    Themes, quotes, and a plain-English summary write themselves once responses come in.

How it compares

We reviewed the closest templates from other survey tools. Here’s what they do well — and where this template goes further.

Why this template

  • Includes an AI follow-up interview that reconstructs the real story behind a respondent's most recent coverage decision, not just their selected policy status
  • Combines a Van Westendorp price sensitivity question with a rating question on claims satisfaction to link price perception directly to purchase behavior
  • Uses a MaxDiff exercise to rank what actually matters most in the buy/renew/skip decision, plus a matrix of agree/disagree statements on flood insurance attitudes
  • Captures risk-zone context (FEMA high-risk designation, flood history, housing situation) alongside a 12-month purchase-intent forecast for segmentation

QuestionPro

Flood insurance survey questions + sample questionnaire template

This is a flood-insurance-specific question bank and sample questionnaire on QuestionPro's general survey platform, covering similar topical ground (coverage status, risk perception, claims experience). It reads as a reference/starter list of questions rather than a purpose-built, ready-to-field template with adaptive logic. No mention of AI-driven follow-up or automated qualitative analysis of responses.

What it does well

  • Directly topical to flood insurance, covering risk perception and coverage-related questions
  • Backed by a large, established survey platform with broad question-type support and distribution tools
  • Positioned as a free reference questionnaire, useful for teams drafting their own survey from scratch

Where it falls short

  • Appears to be a static question list/sample rather than a fielding-ready adaptive template
  • No adaptive AI follow-up to probe why a respondent bought, renewed, or skipped coverage beyond their selected answer
  • No indication of automated per-response quality scoring or auto-generated qualitative reports

Ready to launch?

Open this template in the editor. Every part is yours to change before the first respondent sees it.

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