At Rathbun Insurance, we are always looking for ways to provide you with stronger, smarter protection. That’s why we’re excited to share that we are now officially appointed with Neptune Flood — the largest provider of private flood insurance in the United States.

Neptune Flood offers comprehensive flood insurance for residential, commercial, and condominium properties. With higher coverage limits and optional add-ons, Neptune makes protecting your property from flood damage easier and more accessible than ever.

Why flood insurance matters — even if you're not near water

It’s a common misconception that flood insurance is only necessary for coastal homes or properties in high-risk flood zones. The truth is:

• Flooding can happen anywhere.

• Over 25% of all flood claims come from areas traditionally considered low-risk.

• 90% of natural disasters in the U.S. involve flooding.

Whether it’s due to heavy rainfall, melting snow, storm surges, or even blocked storm drains, floods can pose a serious threat to your property. That’s why understanding your unique risk and securing proper flood protection is so important.

What Neptune Flood covers

Neptune’s policies are designed with real-life risks in mind, covering damage caused by:

• Heavy rainfall

• Snowmelt

• Storm surge

• Blocked or overflowing storm drains

• And more

You can also customize your policy with optional coverages to fit your property’s needs.

Questions?
Contact your Rathbun Insurance account manager today and let us help you understand your flood risk and protection options.