Orion180 expands private flood insurance to California

Orion180 Insurance  has launched Residential Private Flood Insurance in California, expanding its flood offering beyond the National Flood Insurance Program (NFIP).

The product offers up to $1 million in building coverage, waiting periods as short as 10 days, and coverage across X, A, and V flood zones. Additional features include loss of use, replacement-cost personal property coverage, water backup and sump pump overflow, swimming pool cleanup, and debris removal. Orion180 said its underwriting uses third-party flood mapping and property-level risk analysis to provide more granular pricing than FEMA flood maps.

“Flooding is an increasingly serious issue for homeowners across California, even in areas that are not traditionally high-risk. Too many homeowners are either uninsured or limited to costly policies with no flexibility. Our goal is to simplify the process, provide more competitive pricing, and deliver protection that reflects a homeowner’s real flood exposure and not just their zone.” – Ken Gregg, CEO of Orion180.