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Flood Insurance Market Overview: Rising Risks, New Solutions and Expanding Opportunities

Flood Insurance Market Overview: Rising Risks, New Solutions and Expanding Opportunities

Key Takeaways Flooding is the most common and costly natural disaster in the United States, with an estimated 83% of flood losses uninsured. Recurring NFIP disruptions create operational challenges and reinforce the need to evaluate private Flood Insurance alternatives. Private market capacity across Primary and Excess Flood Insurance has expanded, offering higher limits and greater structural flexibility. Parametric Flood solutions provide liquidity tied…

Video: Parametric Flood Insurance

Video: Parametric Flood Insurance

Parametric solutions are expanding how Flood risk can be structured and transferred. In this clip from our recent Flood Insurance webinar, Bessie Schwarz, Co-Founder and CEO, Floodbase, explains how data-driven triggers and event-based coverage can deliver predefined payouts following qualifying Flood events. https://vimeo.com/1164738555/237a23950b?share=copy&fl=sv&fe=ci

Video: Flood Market Opportunities

Video: Flood Market Opportunities

Capacity shifts and pricing adjustments are creating new opportunities in the Flood Insurance market. In this clip from our recent Flood Insurance webinar, Brad Turner, Vice President, National Product Manager, Flood, Burns & Wilcox, Morehead City, North Carolina, outlines where brokers and agents can find competitive terms, expanded limits, and strategic placement options for challenging Flood risks. https://vimeo.com/1164740837/3c1533818d?share=copy&fl=sv&fe=ci

Video: Flood Insurance Modeling Enhancements

Video: Flood Insurance Modeling Enhancements

Advanced modeling tools are bringing greater precision to Flood Insurance underwriting. In this clip from our recent Flood Insurance webinar, Jacob Martin, Underwriting Director, Flood, Burns & Wilcox, Charlotte, North Carolina, explains how enhanced analytics support more accurate risk selection, improved pricing, and stronger coverage solutions for complex Flood exposures. https://vimeo.com/1164742228/925f06607e?share=copy&fl=sv&fe=ci

Webinar: Flood Insurance – Primary, Excess & Parametric Options

Webinar: Flood Insurance – Primary, Excess & Parametric Options

Flooding poses a significant risk for residential and commercial properties, even outside designated flood zones. With recurring National Flood Insurance Program disruptions, private Flood Insurance solutions are more important than ever. Now available on demand, this webinar features experts from the Burns & Wilcox Flood Practice Group and Floodbase, the leading AI platform for monitoring and insuring Flood risk, as they examine Primary, Excess,…

LA Wildfire Losses Changing How High-Value Homes Are Built, Bought, and Insured

LA Wildfire Losses Changing How High-Value Homes Are Built, Bought, and Insured

Inside This Article: Many homeowners affected by the Los Angeles wildfires last year have been unable to rebuild after realizing their insurance limits are not sufficient for current rebuilding costs. Rising construction expenses and high demand following disasters are increasing the risk of underinsurance nationwide. Inspections, valuation updates, and reviews of limits, endorsements, and home upgrades can help prevent…

Personal Insurance Updates: 2026 Forecast

Personal Insurance Updates: 2026 Forecast

Improving CAT conditions, advanced modeling, and renewed capacity are reshaping Personal Insurance for 2026. See how risk-mitigated homes, smarter underwriting, and solutions like Parametric Flood Insurance are helping manage exposure and support sustainable pricing in our Personal Insurance 2026 Forecast SlideShare.  

P&C Updates: 2026 Forecast

P&C Updates: 2026 Forecast

Moderating rates, expanding capacity, and disciplined underwriting are setting the 2026 tone for Property & Casualty Insurance. See what is shaping the year ahead in our P&C 2026 Forecast SlideShare.  

P&C Report: 2026 Forecast

P&C Report: 2026 Forecast

Key Takeaways The E&S P&C market is in a strong position, supported by disciplined underwriting and strong carrier appetite. The E&S marketplace has recorded 14 consecutive years of premium growth, with Casualty lines representing the majority of direct premiums written. Social inflation, nuclear verdicts, and litigation funding continue to influence underwriting and pricing decisions, while tort reform in select states is beginning to…

Video: 2026 Personal Insurance Outlook

Video: 2026 Personal Insurance Outlook

After a year of record-setting wildfires and an unusually quiet wind and hurricane season, Bill Gatewood, Executive Vice President, Personal Insurance, Burns & Wilcox, shares why Personal Insurance may be shifting back to a more “traditional” pattern. Watch this Personal Insurance Outlook from our recent Eye on 2026 P&C webinar. https://vimeo.com/1152984369/3226c59216?share=copy&fl=sv&fe=ci  

Webinar: Eye on 2026 – P&C Market Outlook

Webinar: Eye on 2026 – P&C Market Outlook

Kick off the new year with fresh insights into the Property & Casualty insurance market. Watch the Burns & Wilcox Eye on 2026 webinar recording for expert perspectives on how 2025 shaped market conditions—and what’s ahead for Personal, Commercial, and Professional Liability Insurance in 2026. Topics discussed include: Reinsurance trends influencing pricing and capacity Emerging risks and the impact of technology and AI on…

World Cup Sparks Interest in Short-Term Rentals: What Homeowners Need to Know

World Cup Sparks Interest in Short-Term Rentals: What Homeowners Need to Know

Inside This Article: Kansas City is considering an ordinance that would allow residents to register their homes as short-term rentals during major events such as the World Cup. The proposal aims to expand lodging options to accommodate the expected influx of fans while giving homeowners a chance to benefit economically. Short-term rentals may not be covered by standard Homeowners…

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As wildfires continue to affect communities throughout Los Angeles County, we want to express our heartfelt support for the residents, first responders, and all those working tirelessly to combat these devastating fires.

We understand the challenges posed by this crisis. If you need assistance or have questions about your client's coverage during this time, the team at Burns & Wilcox is here to help.