The gap persists because flood insurance is mispriced, under-distributed, and overdue for modern underwriting tools and tighter program integration. We're the AI-native flood specialist built to close it.
How can I help you with flood insurance today?
Where the market is
The largest opportunity in P&C - and one of the most broken. NFIP is re-rating millions of policies, the private flood market has grown 20%+/yr in recent years, and NFIP reforms are accelerating private market entry.
The program is projected to run a ~$27B premium shortfall through 2037.
GAO · NFIP financial analysis →Risk Rating 2.0 is pricing millions out of NFIP coverage - room for private specialists with better coverage at a competitive price.
FEMA · Risk Rating 2.0 →The largest uninsured peril in US property. Private flood market projected at $20B+ by 2032.
First Street Foundation →$10B+ in flood insurance premium is poised to shift from NFIP to the private market - with roughly 430,000 to 540,000 NFIP policies, representing $550–700M in premium, expected to migrate annually.
Neptune Flood · Market analysisBrollygraph writes purpose-built flood programs for US property - pricing each risk at the building, not the Zip code.
Illustrative analysis. Katrina, Sandy, Harvey, and Ian all delivered the same lesson: the zones officially labeled “Low Risk” carry the majority of catastrophic losses. Most property owners don’t know their address is in one — and don’t get the right coverage until they do. The mispricing is where the opportunity lives.
What We Do
We deliver purpose-built, integrated flood insurance programs for every type of US property — matched to each building's unique risk.
We match each property to the right program using building-level risk — precise, not broad-brush. Targeting ~77% of NFIP policies facing price increases.
Purpose-built coverage programs with carrier-backed capacity, ready for agents. Coverage exceeds NFIP in breadth and depth.
Quote-to-bind in minutes through our APIs, agent portal, or your existing workflows. We meet customers and agents where they are.
How we operate
Flood insurance lives under constant review - carriers, reinsurers, regulators. We built Brollygraph as one system: every decision explainable, every override logged, every handoff defensible.
One system, not a stack.
Distribution, risk selection, and program management share one architecture - so signals captured at quote time flow straight into pricing and program decisions.
Every decision carries its rationale.
Physics-based stochastic baseline with proprietary calibration - not a black-box score. Any decision traces back to the signals and models that produced it.
Automation with accountable handoffs.
Automation handles routine submissions. Specialists own edge cases, referrals, and program-level decisions. Every handoff is logged and auditable.
Leadership
Serial founders who built and scaled an InsurTech from inception to Fortune 100 acquisition. Deep expertise across risk modeling, program design, distribution, and AI-driven insurance operations.
Inside the product
Purpose-built interfaces for the three personas who move the book - insurance specialists and program admins, agents in the field, and homeowners. One seamless workflow. A supervising AI directs purpose-built agents for each step - every action logged, attributable, and reversible.
A one-stop workspace - command center, portfolio analysis, agent performance, and referral queues - with an AI agent that answers anything across the portfolio, recommends actions, and acts on individual or bulk submissions.
Request full preview →Live book overview, customer search, bulk CSV quoting, area-tier risk lookups, and commission tracking - all in one place. Concentration and pricing anomalies flagged across the portfolio. One agent scales to hundreds of renewals.
Request full preview →Chat-first from first question to bound policy. Explore flood risk by address, compare neighborhoods, upload an existing policy for instant Q&A on coverage, then bind and manage everything - lookup, pricing, carrier selection, payment, and renewals - in one Brolly AI experience.
Request full preview →Request preview access
Quick context helps us tailor what we share. We review every request - typically within a business day.
Insights
Get in Touch
Carriers, reinsurers, capital partners, distribution agents - let's talk.
