Homeowners in a high-risk flood zone, A or V, and who have a mortgage are required to have flood insurance. However, as history has proven, homeowners should not be lured into a false sense of security if they are outside of the “high-risk” flood zones and think a flood insurance policy is not needed. No one property is without potential flood risk; wherever it rains, it can flood:

Throughout the United States, 25% of all flood claims were located outside of “high risk” A and V zones meaning X zones are also at risk

River and lake flooding, along with flash floods from rain, are material risks not covered by homeowner’s insurance

Neptune’s flood insurance policies are sold by agents and directly online at neptuneflood.com. The Neptune flood policy meets the requirements to be accepted by all banks and has many optional enhancements to the standard NFIP policy such as coverage for temporary living expenses, unattached structures and pool repair and refill.

Neptune Flood was founded in 2017 by insurance and technology industry veterans, including Chairman Jim Albert, with a goal of bringing advanced analytics and extreme ease of use to the flood insurance market.