How much does flood insurance cost? Your options for flood insurance There are two main sources for flood insurance: FEMA-backed National Flood Insurance Program and private carrier provided Private Market Flood Insurance. We work in both programs and can provide a quotation and recommendations on which is the better choice for you.Let's see what we can do to save you money! Get a Quick Quote now from Neptune Flood, a leader in the Private Market Flood Insurance marketplace. Have a Question About Flood Insurance? Name Email Address Phone Question Thank you! Oops!