With several years of erratic weather behind us–and predictions of more to come–flood is an increasingly real threat to many U.S. homeowners and businesses. WSI Corp, a Massachusetts-based provider of weather-driven solutions, predicts 13 named storms for the 2009 hurricane season–higher than the 1950-2009 average of 9.8 storms.

Creative producers focus on the opportunities such climate changes can present. Williams Insurance Agency, Rehoboth Beach, Del., and Neefus-Stype Agency Inc., Aquebogue, N.Y.–both named by the National Flood Insurance Program (NFIP) among its top agencies for 2008–prove how innovative and proactive marketing can turn into a flood of new business.

Adequate flood insurance is essential in nearly every area of the United States. Along the Northeast Coast, the threat comes from nor'easters, storms resulting from low pressure fronts that move up the coastline. Bud Clark, vice president of Williams Insurance Agency, Rehoboth Beach, Del., said that in his region, nor'easters and local heavy thunderstorms can create heavy floods. These unpredictable storms can decimate portions of towns and drop 10 inches of water in an hour's time, Clark said.

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