Neptune Flood Insurance

InsuranceFlorida, United States51-200 Employees

Neptune Flood Insurance is an AI-native managing general agent focused on flood coverage for both residential and commercial properties. It offers primary and excess flood policies through a nationwide network of agencies, and relies on proprietary artificial intelligence and data science to streamline underwriting, pricing, and policy issuance without human underwriters.

Based in St. Petersburg, Florida, Neptune Flood operates as a mid-sized insurer serving customers across the United States, including property owners and commercial entities seeking flood protection. The company traces its origins to 2016, positioning itself in the flood insurance space through an AI-driven approach that accelerates underwriting and policy issuance. In May 2026 it announced the launch of an AI platform for flood insurance agents, marking a notable expansion of its digital capabilities.

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