After an uneventful 2025 hurricane season, it’s easy for home and business owners to grow complacent and dismiss the need to prep for a potential “big one.”
Don’t leave your clients uninsured and vulnerable to flood risk.
This week is Hurricane Preparedness Week, serving as a reminder that the 2026 hurricane season is quickly approaching. With more than a dozen named storms and a half dozen hurricanes predicted, now is the time to ensure your clients’ properties are adequately protected from floods.
This year’s El Niño weather patterns may suggest less Atlantic storm activity overall in 2026, but history has shown us these predictions don’t reflect storm strength or the potential damage that can occur. Take 1992’s forecast of just seven named storms: One became Category 5 Hurricane Andrew, ranked as the 10th most powerful hurricane to hit the U.S. by wind speed.
Yet, two-thirds of residential flood losses are uninsured, and many homeowners with flood policies don’t carry enough insurance to repair and rebuild after a significant loss. While the National Flood Insurance Program (NFIP) can provide protection up to $250,000, with today’s home prices and construction costs expected to increase as much as 4% in 2026, a larger primary policy and an excess layer may be needed to fully insure your clients’ most significant investment — their home.
Even if a homeowner’s NFIP policy provides sufficient coverage, persistent program lapses due to government shutdowns can leave policyholders exposed. Last year’s 43-day interruption halted NFIP policy renewals and modifications for six weeks, causing headaches for policyholders as well as their agents and brokers, who scrambled to secure insurance in the private flood marketplace.
Don’t wait until a storm is churning in the Atlantic to talk to your clients about flood insurance. Now is the time to crunch the numbers with policyholders to determine their flood exposure and obtain primary and excess flood insurance to protect their properties and their livelihoods.
Secure clients the best rates and most extensive flood coverage by obtaining a quote today or contact PrivateFloodSolution@tmhighland.com for more information.