At best, hurricane season predictions are uncertain. This year, El Niño and La Niña are set to make the season’s forecast even more volatile. As weather patterns become more unpredictable, you need to ensure that your clients are covered for every possibility.

Colorado State University’s Department of Atmospheric Science predicts a 97% chance of a named storm making landfall in the U.S. this year. And the National Oceanic and Atmospheric Administration (NOAA) is calling for a 50% chance of La Niña. According to NOAA, La Niña creates hurricane-friendly conditions in the Atlantic Basin, which leads to a more active season. If El Niño lingers, it could lead to heavy rainfall across the South—and it’s already caused devastating flooding in eastern Texas and Louisiana.

Hurricanes have caused eight of the 10 costliest natural disasters in U.S. history. Although hurricane force winds cause damage, so do storm surges, heavy rains and flash floods—even in areas far from the coast.

Talking with your clients now about flood insurance is urgent, especially since most flood policies come with a 30-day waiting period before coverage takes effect. Don’t wait until a storm is on the way to have the flood talk—it will be too late to secure the proper financial protection for your clients.

Without flood insurance, your clients will have to pay for flood damage out of pocket, which can be costly. From 2011 to 2015, the average flood claim totaled more than $46,000. But in 2015, the average NFIP premium was about $700 a year—tens of thousands of dollars less than the average claim.

Flood insurance gives your clients financial protection against the devastating effects of flooding without having to rely on post-disaster loans, which they usually must pay back with interest. Use FloodSmart’s interactive cost of flooding tool to illustrate how much it could cost to repair damage to a home with even a small amount of water, and help your clients understand the risks facing their homes with FloodSmart’s flood risk scenario tool. You can even embed it on your website for easier access.

You can also sign up for FloodSmart’s Agent Referral Program, which gives you free qualified leads. Prospective clients who visit FloodSmart can enter their address into the agent locator and connect with an agent in their area. Your name will also appear on FloodSmart direct mailings, and the NFIP referral call center will use it to transfer leads directly to you.

The unpredictable hurricane season presents the perfect opportunity to talk with your clients about flood insurance. FloodSmart has valuable tools and resources to help you effectively communicate flood risk and flood insurance information with your clients. Take advantage of FloodSmart’s resources to help your clients protect what matters. It’s more than your client’s house—it’s their home.

FloodSmart is the official website of the NFIP.