About Neptune Flood
Neptune Flood is a Florida-based private flood insurer headquartered in St. Petersburg, founded in 2016. It uses proprietary technology and property-level risk data, rather than broad flood-zone or ZIP-code averages, to deliver instant online quotes for residential, commercial, and excess flood coverage, with policy limits well above the NFIP's $250,000 cap. Neptune has grown into the largest private flood insurer in the country and completed an initial public offering on the New York Stock Exchange under the ticker NP in October 2025.
Lines of Business
Neptune Flood quick facts
| Company | Founded in 2018 and headquartered in St. Petersburg, Florida. Source: Neptune Flood, About (opens in a new tab). Checked October 14, 2026. |
|---|---|
| Insurers | Neptune offers its flood policies through partner insurance companies rated by AM Best. Source: Neptune Flood, About (opens in a new tab). Checked October 14, 2026. |
| How to report a claim | 24/7 by phone at 727-202-4815 or by the chat on Neptune's claims page, by email, or through your agent. Source: Neptune Flood, Report a Claim (opens in a new tab). Checked October 14, 2026. |
Ratings and Citizens takeout approvals change. Each fact links to the regulator, rating agency or carrier page we checked it on.
Getting a Neptune Flood quote in Florida
Tell us what you need covered and we'll quote Neptune Flood alongside our other carriers, then walk you through the differences in price and coverage. Neptune Flood makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
Neptune Flood questions
Can Magnuson Insurance quote Neptune Flood?
Yes. Magnuson Insurance, an independent agency in Lakeland, Florida, can quote Neptune Flood for personal flood and commercial flood coverage and compare it side by side with the other carriers we work with. Neptune Flood makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
What is Neptune Flood's claims phone number?
Report a claim to Neptune Flood at 727-202-4815. If you're a Magnuson Insurance customer, you can also call us at (863) 606-5147 during office hours (Monday to Friday, 9:00am to 4:30pm) and we'll help you report it and follow up.
How do I pay my Neptune Flood bill?
Neptune Flood bills its policyholders directly, so pay through Neptune Flood's online payment page (linked on this page) or the phone number on your bill. Magnuson Insurance's own Make a Payment page is only for invoices the agency sends you, such as broker fees.
Florida insurance guides
Magnuson Insurance is an independent agency licensed by the Florida Department of Financial Services (agency license L104700). Neptune Flood's name and logo are its trademarks. Claims numbers and links are Neptune Flood's own; your policy documents have the final word. Last updated October 7, 2026.