As an InsurTech MGA, reThought does flood insurance differently. We use advanced data analytics to pinpoint risk precisely, so we can offer better coverage at a price based on actual risk.

Exceptional coverage for small businesses through complex specialty risks from “A” Rated carriers. 

Flood insurance backed by industry-leading technology and crafted specifically for your unique property.

reThought Flood® is an InsurTech MGA. We’ve deployed our enormous risk modeling expertise to develop a unique, technology-based approach to underwriting flood insurance. Our advanced data analytics create the understanding necessary to build a sustainable private US flood insurance market. 

Gold-standard, “A” Rated cover for residential, high-net-worth, commercial, and specialty insurance buyers​

Prices commensurate to actual risk

Competitive advantage to carriers

Virtually unlimited new source of income for brokers​

Other insurers price flood risk by using a single model to analyze the severity and frequency of flood in specific locations. reThought Flood has a different, patent-pending approach which deploys multiple models for a more accurate assessment of risk.

Unlike others, reThought Flood comprehensively underwrites each asset to be insured, as well as the peril, using a big-data AI approach. We’ve developed award-winning Flood Resilience Scores (FRS) based on public and proprietary data about the specific building location, which have a dramatic impact on the the likelihood for flood. The data is applied to our patent-pending AI process to derive the FRS itself.

Flood Risk Scores allow reThought to confidently price flood risk coverage which is much more extensive than competing policies. Advantages for insureds – and for brokers to offer – include large aggregate limits for buildings and their contents, including basement contents, plus coverage for loss of use, debris removal, and costs of construction.