Who Is Neptune Flood?
Neptune Flood is one of the nation's leading private flood insurance providers, offering an alternative to the National Flood Insurance Program (NFIP) for both residential and commercial properties. Founded in St. Petersburg, Florida, Neptune leverages advanced data science and proprietary risk-modeling technology to price flood risk more accurately than traditional programs, often resulting in significantly lower premiums for policyholders.
Neptune policies are backed by highly rated reinsurers and can be bound in minutes. Whether you own a single-family home, a condo, or a commercial building, Neptune provides flexible coverage options that frequently exceed NFIP limits — including coverage for additional living expenses, replacement cost on contents, and loss of use.
What They Are Known For
- Private flood alternative: Neptune competes directly with the NFIP, often delivering broader coverage at lower rates thanks to property-specific risk modeling.
- Fast binding: Policies can be quoted and bound in minutes, with coverage starting as soon as the next day in many cases.
- Residential and commercial: Neptune covers single-family homes, condos, townhomes, rental properties, and commercial buildings across all 50 states and Washington, D.C.
- Higher coverage limits: Unlike the NFIP's $250,000 dwelling cap, Neptune offers limits up to $4 million on residential properties and even higher on commercial risks.
Quick Links — Neptune Flood
Where We Write Neptune Flood
Better Choice Insurance Group offers Neptune Flood policies to homeowners and drivers across our service areas:
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth