Last Updated: August 14, 2026

Welcome to FloodAxis.com. These Terms of Service (“Terms”) govern your access to and use of FloodAxis.com and the information, forms, resources, and services available through this website.

FloodAxis.com is a flood insurance resource operated by Iron Axis Insurance Agency, LLC, an independent insurance agency based in Sacramento, California.

By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

1. Purpose of FloodAxis.com

FloodAxis.com provides information and resources related to flood insurance, including private flood insurance and coverage available through the National Flood Insurance Program (NFIP).

The website may also allow visitors to submit inquiries or requests for assistance with flood insurance coverage.

FloodAxis.com is an insurance information and insurance inquiry website. Depending on your location, property, insurance needs, licensing requirements, market availability, and other factors, your inquiry may be handled by Iron Axis Insurance Agency, LLC or referred to an insurance carrier, broker, agent, managing general agent, wholesaler, program administrator, or other insurance-related partner.

2. Insurance Information Only

Information provided on FloodAxis.com is for general informational purposes and should not be interpreted as a guarantee of insurance coverage, pricing, eligibility, limits, terms, or availability.

Flood insurance requirements, underwriting guidelines, coverage options, premiums, limits, deductibles, and eligibility can vary by carrier, program, location, property, and individual risk.

Information regarding the NFIP is provided for general educational purposes. FloodAxis.com and Iron Axis Insurance Agency, LLC are not FEMA or the National Flood Insurance Program and are not affiliated with or endorsed by the federal government unless expressly stated otherwise.

Information on this website is not intended to replace the terms, conditions, exclusions, limitations, endorsements, declarations, or other provisions contained in an actual insurance policy.

If information on this website conflicts with an insurance policy, carrier documentation, or applicable NFIP documentation, the applicable policy or official documentation controls.

3. No Coverage Is Bound Through This Website

Submitting a contact form, quote request, application, email, or other information through FloodAxis.com does not create an insurance contract or bind, issue, modify, renew, or extend insurance coverage.

Insurance coverage is not effective unless and until it has been approved and bound by an authorized insurance carrier or insurance professional and all applicable requirements have been satisfied.

Do not cancel, modify, replace, or allow existing insurance coverage to expire based solely on information provided through this website or the submission of a request through FloodAxis.com.

4. Insurance Quotes and Pricing

Any insurance pricing, cost ranges, examples, comparisons, or estimates presented on FloodAxis.com are for informational purposes unless specifically identified as an actual quote prepared for your property.

Actual premiums are determined through applicable underwriting or program requirements and may depend on factors including property location, flood risk, building characteristics, occupancy, coverage limits, deductibles, prior losses, elevation or flood-related information, and other risk characteristics.

FloodAxis.com does not guarantee any particular premium, rate, coverage, limit, deductible, insurance carrier, or insurance program.

5. Private Flood Insurance and NFIP Information

FloodAxis.com may provide information comparing private flood insurance with coverage available through the NFIP.

Coverage terms, limits, deductibles, waiting periods, eligibility requirements, underwriting requirements, and other features may differ between private insurance carriers and the NFIP.

Whether a particular flood insurance option is appropriate or available depends on the property, applicable requirements, underwriting criteria, lender requirements, and other circumstances.

Property owners with a mortgage or other lending arrangement are responsible for confirming applicable flood insurance requirements with their lender or mortgage servicer.

6. Lead Generation and Referrals

Information submitted through FloodAxis.com may be used by Iron Axis Insurance Agency, LLC to evaluate and respond to your insurance inquiry.

Your information may also be shared or referred to insurance carriers, brokers, agents, managing general agents, wholesalers, program administrators, or other insurance-related partners when appropriate to assist with your request.

If Iron Axis Insurance Agency, LLC cannot directly assist you because of licensing, geographic, underwriting, carrier, property eligibility, market availability, or other considerations, your inquiry may be referred to an appropriately licensed insurance professional or organization.

Depending on the circumstances and applicable law, Iron Axis Insurance Agency, LLC may receive compensation in connection with insurance placements, referrals, lead-generation arrangements, or other permitted business relationships.

For additional information about how information submitted through this website may be collected, used, and shared, please review our Privacy Policy.

7. Licensing and Availability

Insurance products and services are subject to applicable licensing requirements and may not be available in every state or jurisdiction.

The availability of information on FloodAxis.com should not be interpreted as a representation that Iron Axis Insurance Agency, LLC is licensed to transact insurance in every state or jurisdiction.

Where appropriate and legally permitted, an inquiry may be referred to another appropriately licensed insurance professional or organization.

8. Accuracy of Information You Provide

When submitting information through FloodAxis.com, you agree to provide information that is accurate and complete to the best of your knowledge.

Insurance quotations, eligibility determinations, and underwriting decisions may depend on the accuracy of information provided.

You are responsible for reviewing information submitted in connection with an insurance application or quote request and notifying the appropriate insurance professional of material changes, omissions, or errors.

9. Website Content

We make reasonable efforts to provide useful and accurate information. However, flood insurance regulations, NFIP requirements, carrier requirements, underwriting guidelines, flood maps, market conditions, and other information can change.

We do not guarantee that all information on FloodAxis.com will always be complete, current, accurate, or applicable to every property or situation.

Content may be updated, modified, or removed at any time without notice.

10. Flood Maps, Flood Zones, and Risk Information

Flood maps, flood zones, risk classifications, and related information referenced on FloodAxis.com are provided for general informational purposes unless otherwise stated.

Flood risk and insurance requirements cannot necessarily be determined solely by a property’s flood zone.

Official flood maps, flood determinations, lender requirements, government records, and insurance underwriting information should be consulted when making decisions regarding a specific property.

FloodAxis.com does not guarantee the accuracy or continued applicability of third-party flood maps, flood-zone information, or risk data.

11. No Professional Legal, Tax, Financial, Engineering, or Real Estate Advice

Information available through FloodAxis.com is not intended to provide legal, tax, accounting, financial, engineering, surveying, appraisal, mortgage, or real estate advice.

You should consult an appropriately qualified professional regarding those matters.

12. Third-Party Websites and Services

FloodAxis.com may contain links to websites or services operated by third parties, including insurance carriers, government agencies, FEMA-related resources, and other insurance-related organizations.

These links are provided for convenience or informational purposes.

Iron Axis Insurance Agency, LLC does not control and is not responsible for the content, availability, security, terms, accuracy, or privacy practices of third-party websites.

13. Intellectual Property

Unless otherwise stated, the original content, design elements, graphics, branding, and other materials appearing on FloodAxis.com are owned by or licensed to Iron Axis Insurance Agency, LLC and are protected by applicable intellectual property laws.

You may use the website for personal or legitimate business informational purposes.

You may not reproduce, republish, distribute, modify, or commercially exploit substantial portions of the website without prior written permission, except as permitted by law.

14. Acceptable Use

You may not use FloodAxis.com to engage in unlawful activity, submit fraudulent or misleading information, interfere with website security or operation, attempt unauthorized access to website systems, transmit malicious software, or use automated systems to improperly collect website content or data.

15. Disclaimer of Warranties

FloodAxis.com and its content are provided on an “as is” and “as available” basis.

To the extent permitted by applicable law, Iron Axis Insurance Agency, LLC makes no warranties, express or implied, regarding the availability, accuracy, completeness, reliability, or suitability of the website or its content.

16. Limitation of Liability

To the extent permitted by applicable law, Iron Axis Insurance Agency, LLC will not be liable for indirect, incidental, special, consequential, or similar damages resulting from your use of, inability to use, or reliance upon FloodAxis.com or information provided through the website.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

17. Privacy

Your use of FloodAxis.com is also subject to our Privacy Policy, which explains how information submitted through the website may be collected, used, and shared.

18. Changes to These Terms

We may update these Terms periodically to reflect changes to our website, services, business practices, insurance markets, or applicable requirements.

Changes will be posted on this page with a revised Last Updated date.

Your continued use of FloodAxis.com after changes are posted constitutes acceptance of the revised Terms to the extent permitted by law.

19. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where applicable law requires otherwise.

20. Contact Us

If you have questions about these Terms of Service, please contact:

Iron Axis Insurance Agency, LLC
FloodAxis.com
Sacramento, California
California Insurance License #6019664

Email: IronAxisInsurance@gmail.com