The 2025 Atlantic hurricane season is shaping up to be one of the most intense in recent history. According to the latest forecast from the National Oceanic and Atmospheric Administration (NOAA), we could see 17 to 25 named storms, including as many as 13 hurricanes—with up to 7 reaching major hurricane status (Category 3 or higher). This elevated activity poses a serious risk not just to coastal regions, but to inland communities as well. 

As many regions are still recovering from recent flood events, this forecast is more than just a weather update—it’s a call to action for insurance agents and brokers. 

The Coastal Barrier Resources Act (CBRA) challenge 

According to Flow Flood, one of the biggest hurdles agents face is quoting properties in CBRA zones. But what exactly is a CBRA zone? CBRA is a federal law that restricts flood insurance in certain environmentally sensitive coastal areas. Properties located in these zones are typically ineligible for National Flood Insurance Program (NFIP) coverage, creating a major coverage gap for both residential and commercial customers. 

Why this matters for agents like you

When storms form, markets tighten fast. Moratoriums can go into effect with little warning, leaving agents unable to bind coverage for customers who waited too long. That’s why speed and flexibility are critical—and exactly why our wholesale marketplace was built to deliver both. 

Now is the time to proactively reach out to your book of business. If your customers don’t have flood insurance—or if they’ve been hit with rising NFIP premiums—flood protection offers a faster, and direct way to way to protect them. 

Flow Flood through LocalEdge can help 

Unlike the NFIP, Flow Flood’s private flood markets are not bound by CBRA restrictions. That means they can write flood insurance in eligible CBRA zones, offering a critical solution for hard-to-place coastal risks. 

Act before the storms do 

With a hyperactive hurricane season on the horizon, the time to act is now. Don’t wait for the first named storm to scramble for solutions. Flow Flood through LocalEdge is here to help you stay ahead of the curve—with tools, coverage options, and underwriting flexibility that give you and your customers peace of mind. 

👉 Connect with the LocalEdge Direct Access team at [email protected] to learn how Flow Flood can help you protect your customers —before the next storm hits.