Flood Insurance
Private Flood
Private flood carriers like Neptune, Wright, and Palomar offer higher limits, replacement cost on contents, and shorter waiting periods than NFIP.
What it covers
The specifics.
Building and contents damage from surface flooding, often with limits well above NFIP maximums and faster claim processing.
Why it matters
Real-world impact.
In many Houston ZIPs, private flood is now cheaper than NFIP AND offers more coverage — a rare win-win in insurance shopping.
Related flood insurance coverage
Other coverages inside your flood insurance policy.
Get private flood added to your policy today.
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