NP · Neptune Insurance Holdings Inc.

Digital flood insurance platform brings instant estimates to conversational AI Neptune Flood today announced the launch of its digital flood insurance app in ChatGPT. The new app enables property owners to receive real-time preliminary Neptune flood insurance quotes directly within ChatGPT. The launch expands how consumers access flood insurance nationwide. Property owners can now ask questions about coverage and receive an instant preliminary quote through a conversational AI experience, simplifying how protection is understood and purchased. This builds on Neptune’s existing direct-to-consumer, real-time quoting infrastructure available at neptuneflood.com and through the websites of its agency distribution partners as an embedded quoting assistant. Flood risk affects communities in every state, yet many property owners remain uninsured or underinsured. Neptune believes that making protection easier to access strengthens financial resilience across the country. By meeting consumers

Leading flood insurance provider examines the first major flood map overhaul in nearly 20 years in Harris County, and its positive implications for homeowners, insurers, and the national coverage gap For nearly 20 years, FEMA's flood maps in Harris County, Texas, remained largely unchanged, leaving homeowners with an incomplete picture of their true flood risk. Hurricane Harvey proved it: roughly 70% of flooded homes sat outside the officially mapped high-risk zone. The new draft maps proposed for Harris County, released in February 2026, represent a step forward in aligning public policy with the region's actual hydrological risk. What the proposal does: Significant Expansion of High-Risk Zones: The 100-year floodplain (Special Flood Hazard Area) is projected to expand by approximately 50,000 acres, increasing from 150,000 to 200,000 acres, a 33% increase in high-risk designation areas. Mandatory Growth of the Insured Base: This reclassification will move over 170,000 properties and

Neptune Insurance Holdings Inc. (NYSE: NP), the parent company of Neptune Flood Incorporated, has released its financial results for the fourth quarter and full year ended December 31, 2025, by posting an update on its Investor Relations website. The earnings presentation can be viewed by clicking here or visiting investors.neptuneflood.com . This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20260218070157/en/ Fourth Quarter 2025 Highlights Revenue growth of 39% to $43.8 million Net income decrease of 63% to $4.3 million, at a 10% margin, including $4.6 million of IPO-related expenses 1 Adjusted Net Income* growth of 25% to $15.3 million Adjusted EBITDA* growth of 34% to $25.9 million, at a 59% margin Written Premium* growth of 41% to $100.3 million Record quarterly new business sales Full Year 2025 Highlights Revenue growth of 34% to $159.6 million Net income growth of 8% to $37.4 million, at a 23% margin, including $13.1

Neptune Insurance Holdings Inc. (“Neptune” or the “Company”) (NYSE: NP), the parent company of Neptune Flood Incorporated, today announced that it will report its financial results for the fourth quarter ended December 31, 2025, after the market closes on Wednesday, February 18, 2026. The company plans to host a conference call and webcast to discuss its financial results at 5:00 PM ET on Wednesday, February 18th. The dial-in number for the conference call is (800) 715-9871 or (646) 307-1963 (international). Please dial the number 10 minutes prior to the scheduled start time. A live webcast of the conference call will also be available here as well as on Neptune’s investor relations website at investors.neptuneflood.com . A replay of the webcast will be available shortly after the event at the same website. About Neptune Insurance Holdings Neptune Insurance Holdings Inc. is the parent company of Neptune Flood Incorporated. Founded in 2018, Neptune Flood is a leading, data-driven

Neptune Flood , the leading provider of private flood insurance in the United States, today announced a new partnership with Somers Syndicate 3705. The relationship adds additional underwriting capacity to support Neptune Flood’s suite of insurance offerings. The addition of Somers further broadens Neptune Flood’s panel of highly rated global insurance partners and reflects continued interest from leading carriers in the private flood insurance market. “Both Neptune and Somers are strongly aligned on the future of the private market in flood insurance, and we are excited to continue growing our capacity provider panel with a respected insurance group via the Lloyd’s market,” said Matt Duffy, President of Neptune Flood. “This partnership facilitates our ongoing growth in the US flood market as private insurers play an increasingly important role in protecting homeowners and businesses.” Somers Syndicate 3705, a Lloyd’s syndicate, is the Lloyd’s insurance operation of Somers Re Ltd, a