Neptune Flood Reviews | Read Customer Reviews of neptuneflood.com

Neptune FloodReviews of neptuneflood.com

4.5348 reviews
Insurance
400 6th St S. Ste 2, Saint Petersburg, Florida

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Neptune Flood

About Neptune Flood

Neptune Flood is the largest private flood insurance company in the United States, offering an entirely digital quote-and-bind process. Neptune offers residential, commercial, and RCBAP products with a 2-minute quote-to-bind process, offering greater coverage limits and additional optional coverages. Flood insurance products are available in all 50 states and Washington, D.C. Neptune also offers Jumpstart parametric earthquake insurance in California, Oregon, and Washington for both residential and business customers.Neptune Flood specializes in providing flood insurance solutions for residential and commercial properties. By leveraging advanced technology, data analytics, and user-friendly online tools, Neptune Flood offers consumers and businesses a fast and efficient way to obtain flood insurance policies tailored to their needs. The company aims to simplify the insurance-buying process while offering competitive rates and comprehensive coverage options. Neptune Flood is backed by top-rated insurance carriers, ensuring that their customers receive reliable financial protection in the event of a flood. Their dedication to superior customer service, along with their cutting-edge approach to flood insurance, makes Neptune Flood a trusted and pioneering force in the industry.

Neptune Flood (neptuneflood.com) has 348 customer reviews on Five Star Index, with an average rating of 4.5 out of 5.

Also known as: neptuneflood.com
Website: neptuneflood.com
Category: Insurance
Location: Saint Petersburg, Florida
Listed on Five Star Index: 2026

About these reviews

Replies: The company replied to 99% of reviews.
Latest: Most recent review: October 2026.
Edits: Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score: This company cannot pay to remove reviews or change its score.

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Neptune Flood reviews

348 approved reviews, newest moderated first

Deane
Sep 23, 2023
very professional
very easy to deal with and to get exactluy what I neededvery
Response from Neptune FloodSep 24, 2023
Thank you for the review, Deane!
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JERRY R.
Sep 21, 2023
Kind and Caring Company
This is my 3rd year with Neptune Flood, they have always been resonably affordable. The staff has been very helpful and always resolved any questions I had. I would recommend them highly.
Response from Neptune FloodSep 21, 2023
Thank you for the review, Jerry! We're happy to hear you've trusted Neptune for three years to provide flood coverage. Our team is always here and ready to answer any questions you may have.
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Scott H.
Sep 18, 2023
I don't like being forced to pay for…
I don't like being forced to pay for this insurance. The map was marked wrong ,I am the only one paying no ody else is and there houses are a lower level then my house.
Response from Neptune FloodSep 18, 2023
Hi Scott, thank you for the feedback. The Federal Emergency Management Agency (FEMA) controls the mapping of which properties are in a designated flood zone, not Neptune. If you feel your property has been incorrectly designated, you, with your lender, can submit a Letter of Determination Review (LODR) for FEMA to review your property. It is up to your lender to waive the flood insurance requirement if FEMA does change your zone, though they are not required to.
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EDWARD J M.
Sep 18, 2023
It's insanely expensive and you are a…
It's insanely expensive and you are a monopoly.
Response from Neptune FloodSep 18, 2023
Thank you for the feedback, Edward.
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customer
Sep 18, 2023
Was easy to sign up for coverage
Was easy to sign up for coverage
Response from Neptune FloodSep 18, 2023
Thank you for the review. Our team works hard to ensure protecting your property with Neptune is easy.
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thomas P.
Sep 17, 2023
Customer rep was very helpful
Customer rep was very helpful
Response from Neptune FloodSep 17, 2023
Thank you for the review, Thomas. We're glad our team was able to assist you.
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Rand M.
Sep 12, 2023
According to the FEMA map
According to the FEMA map, my house is not in a flood zone, but FEMA wanted a new updated survey done, so they told my mortgage company that I was in a flood zone, forcing me to either get a LOMA and pay for a survey, or get flood insurance. Fortunately Neptune only charged me 650 per year, that I had to pay out of pocket, the full amount, right away (no monthly payments). So I guess when you're getting screwed, everyone gets a turn, and Neptune was very good at it.
Response from Neptune FloodSep 12, 2023
Thank you for the review, Rand!
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JUDITH
Sep 11, 2023
This year is too expensive!!!
I have been having this company for many years. Unfortunately, the price went so high and nobody gave me an explanation. It went from one thousand something to almost 4000!!! I have been busy taking care of my elderly mom and working a full time job so I didnt have time to call them and have a conversation with them. I kind of wanted to stop business with them but i didnt have time. Why are they doing this???? It is too expensive this year guys!
Response from Neptune FloodSep 11, 2023
Hi Judith, thank you for the feedback. Pricing for a property varies based on the individual risk and is reviewed each year upon renewal. While we can't speak about specific details about your policy on this public page, you are able to reach out to our customer support team at 727-202-4815 to discuss your policy. You have the ability to cancel your policy before the policy renewal date.
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