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.

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.

On this episode of Agency Nation Radio, we meet Scott Gray, owner of SouthGroup Insurance Services in Meridian, Mississippi. 

Last year, Scott Gray was honored with the Barney Burns award at the 2025 Big “I” Legislative Conference for his dedication, passion and leadership in government advocacy for the independent insurance agency system.

Communication is the name of the game in the challenging coastal insurance market—and Kelley Carter, a communication and business major, has applied that wholeheartedly.

Proactive conversations with clients about catastrophe risks can surface potential coverage gaps and open the door to more forward-looking planning.

How independent agents can add value through comprehensive consultation and risk mitigation.

Brian Chapman, agent and owner of Chapman Insurance in Florida, sits down with Cassie Masone, vice president of flood operations at Selective Insurance.