Neptune Flood Insurance in Texas
Private flood insurance for Texas homes
Private flood insurance for Texas homes with higher limits, faster binding, and pricing that often beats NFIP.
Neptune is a private flood market that often beats NFIP on both price and terms, with faster binding and higher available limits. For Houston-area homes outside high-risk zones, private flood is frequently the better buy.
- Private flood alternative to NFIP, quoted in minutes
- Higher building and contents limits than standard NFIP
- Shorter waiting period than NFIP's 30 days on most policies
- Compared line by line against an NFIP quote before you decide
Coverage we write with Neptune Flood
Start with the line you need — each page explains Texas-specific limits, then hands off to a quote request pre-set for that coverage.
Common questions
- Is private flood insurance accepted by lenders?
- Generally yes — federal lenders must accept qualifying private flood policies. We confirm acceptance with your lender before binding.
- How fast can flood coverage start?
- Private flood typically carries a 10–14 day waiting period versus 30 days for NFIP, but nothing binds once a named storm is in the Gulf.
Heritage Texas Insurance Group is an independent agency. Neptune Flood is not affiliated with this website, and listing here indicates an appointment or wholesale access rather than an endorsement. Coverage is subject to underwriting approval and policy terms.