Flood

The policy provides flood-only coverage for homes and personal property, protecting homeowners from flood risks not covered by standard homeowners or renters insurance.

As hurricane season begins, many insurance advisors are spending more time having flood conversations with homeowners living outside traditional coastal markets.

Flood risk is rising far beyond flood zones, leaving millions of properties exposed. Agents play a critical role in helping property owners understand risk, coverage gaps and modern flood insurance options.

Most property owner policies exclude flood damage, creating serious financial risk. Flood insurance helps protect families, stabilize communities, and speed recovery after devastating flood events. 

Flooding isn’t a coastal issue—it’s everywhere. Help property owners see the gap: standard   policies exclude flood. Munich Re U.S. offers options to protect what matters most—before the next storm. 

Cassie Masone is the vice president of Selective Insurance Company of America’s flood insurance operation. She has been in this role for over 14 years and is responsible for the flood line of business, including underwriting, claims, customer support and external sales.

Flooding isn’t a coastal issue—it’s everywhere. Help property owners see the gap: standard   policies exclude flood. Munich Re U.S. offers options to protect what matters most—before the next storm. 

Even routine seasonal changes can create meaningful exposure in non-flood zones, making proactive education and coverage reviews key in the spring months.

Flood risk is rising far beyond flood zones, leaving millions of properties exposed. Agents play a critical role in helping property owners understand risk, coverage gaps, and modern flood insurance options.

Rainfall-driven flooding, overwhelmed stormwater systems and runoff from new development are increasingly common drivers of loss. Those realities do not always align neatly with boundary flood zones.