Flood awareness rises, but coverage slips in Sandy-hit states

Affordability pressures and persistent misconceptions complicate agents’ efforts as New York and New Jersey lose nearly 50,000 NFIP policies

Commercial risk teams are responding with tighter controls, scenario modeling, and broader collaboration across underwriting, claims, and cyber operations.

Leaders continue to prioritize resilience planning while balancing cost, coverage terms, and operational exposure in a changing market cycle.