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.

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