Neptune Flood Insurance in Florida
Fast, Flexible, and Reliable Protection for Florida Homes and Businesses
Instant Online Quotes
Optional Elevation Certificate
Bank-Approved Policies
Why Flood Insurance from Neptune?
Floods are the most frequent and costly natural disaster in the U.S., and standard homeowners policies don't cover flood damage. In Florida, with heavy rains and hurricanes, flood insurance isn’t optional—it’s essential.
Neptune Flood makes it fast and easy to get comprehensive protection backed by A-rated carriers, all from your phone or computer in under 2 minutes.
Florida’s Flood Risk Is Real
Florida consistently ranks #1 in the U.S. for flood-related insurance claims—and it’s no surprise. From June through November, hurricane season brings heavy rains, storm surges, and coastal flooding. Even a slow-moving afternoon thunderstorm can overwhelm drainage systems and cause serious damage.
And here’s the kicker: more than 25% of flood claims come from properties outside high-risk flood zones.
Whether you're in Miami, Tampa, Orlando, or inland areas like Ocala or Gainesville, flood insurance isn't a luxury—it’s a must.
What Does Neptune Cover?
Residential Flood Insurance
Commercial Flood Insurance
Excess Flood Insurance
Condo Associations (RCBAP)
What Does Neptune Cover?
(Primary) + Excess Available
(Primary) + Excess Available
(0 for closings / rollovers)
Who Needs Flood Insurance?
Neptune Flood makes it fast and easy to get comprehensive protection backed by A-rated carriers, all from your phone or computer in under 2 minutes.
