The gap persists because flood insurance is mispriced, under-distributed, and overdue for modern underwriting. We're the AI-native MGA 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, capital is rotating into specialized MGAs, and the private flood market has grown 20%+/yr in recent years.
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 MGAs 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 residential property - pricing each risk at the building, not the Zip code.
What We Do
We pair proprietary, high-resolution risk data with modern underwriting tech to deliver coverage that's priced right and placed fast.
Building-level risk signals competitors can't access - so risk appetite is precise, not broad-brush.
Purpose-built coverage programs with carrier-backed capacity, ready for agents.
Quote-to-bind in minutes through our APIs, agent portal, or your existing workflows.
How we underwrite
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, underwriting, and portfolio management share one architecture - so signals captured at quote time flow straight into rating and portfolio steering.
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. Underwriters own edge cases, referrals, and portfolio-steering 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, underwriting, distribution, and AI-driven insurance operations.
Inside the product
Purpose-built interfaces for the three personas who move the book - underwriters and portfolio 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 against the book, 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 against the book. 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.
