About Neptune Flood
Neptune Flood is one of the largest private flood insurers in the U.S., headquartered in St. Petersburg, FL. Founded in 2017 and built around technology-driven flood underwriting.
What Neptune Flood Covers
Coverage offered through Neptune Flood that Nymble can place for Florida clients includes:
- Private Flood — residential and commercial
- Higher limits than NFIP ($250K cap doesn't apply)
- Replacement cost on contents (vs. ACV on most NFIP)
Neptune Flood in Florida
Neptune writes private flood across all 67 Florida counties with online quoting and binding in minutes for most properties. Coverage often exceeds NFIP's $250K dwelling cap, with replacement cost on contents and faster claims.
Who Neptune Flood Is Best For
Florida homeowners wanting private flood — particularly those whose home value exceeds NFIP limits, those in non-high-risk zones where private flood beats NFIP pricing, or those needing faster claims handling.
Working with Neptune Flood Through Nymble
Nymble compares Neptune Flood private flood quotes against NFIP and other private flood writers for every Florida flood placement. The right carrier depends on your flood zone, home value, and whether you need coverage above NFIP's $250,000 dwelling cap. We run all three sides of the comparison so you see real numbers, not just what the lender requires.
Comparable Carriers
If Neptune Flood isn't the right fit, Nymble can also quote these similar carriers: