Personal Lines

As flood risk becomes more complex and less tied to traditional flood maps, agents play a key role in helping customers understand their real exposure.

From hurricanes in the Southeast, wildfires in the West and severe convective storms in between, catastrophes are a defining feature of the current insurance landscape and are changing property insurance.

The endorsement is designed for homes outside historical high-risk flood zones and provides coverage for damage from flood waters or surface waters.

For agents and brokers serving high-net worth clients, 2025 will be about more than just managing policies—the evolving market demands adaptability and a forward-looking perspective.

Hurricanes Helene and Milton made it clear that hurricanes, storms and floods can happen anywhere and anytime and are not limited to the coast.

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

On this episode of Agency Nation Radio, Owen Thomas, senior account executive at Dial Insurance Agency in Pembroke, North Carolina, shares his experiences from past hurricane seasons and how his agency has applied what it’s learned.

As the climate changes, independent agents play a major role in educating their clients on the need to purchase flood insurance, as well as providing advice to them on the steps to take to protect their property.

“Both the NFIP and the private market will remain extremely important,” says independent agent Jeffrey Wyrsch. “We need to have both because they both offer advantages in different situations.”