AFR began in 1992 as a flood zone determination company. Over the years, we have become experts in flood compliance and flood insurance related issues. We saw an opportunity to use our knowledge and expertise to help frustrated homeowners, businesses, and agents with the nuances of flood insurance. As a Lloyd's coverholder and MGA, we have helped develop a private flood insurance product for the residential and commercial markets. We work directly with individuals and agencies who are looking for a better solution for flood insurance.