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The 2025 State of Flood report delivers a powerful call to action in the face of escalating flood risks across the United States.

As climate change intensifies the frequency and severity of flooding, the report highlights an urgent need to close the significant flood insurance gap that leaves many communities vulnerable.

Resilience and Recovery: At the heart of the report is the theme of resilience—empowering communities to not only withstand floods but to recover swiftly and effectively. It emphasizes that flood insurance is not merely a safety net; it is a critical tool for fostering resilience and ensuring communities can bounce back after disasters.

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Innovative Solutions: The report champions innovative insurance solutions.

• GC FloodShield^SM is a parametric product from Guy Carpenter that offers a cutting-edge approach for rapid payouts based on predefined triggers to access funds quickly when needed most.
• Prime time for private - Torrent’s FloodProtect^SM is a creative private flood insurance solution that makes the flood insurance purchase process seamless and complements the National Flood Insurance Program (NFIP).
• The report advocates for community-based catastrophe insurance (CBCI) programs that cater to the unique needs of local populations. Such innovations are essential for transforming how we think about flood risk and recovery.

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Public-Private Collaboration: By fostering collaboration between public and private sectors, these programs can enhance accessibility and awareness, ensuring more property owners are protected.

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Flames to Floods: Natural disasters feed flood risk and wildfire is one specifically called out in the report. The charred ground acts as barrier to precipitation to escalate urban and flash flooding along with mudflows.

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Actionable Insights: The 2025 State of Flood report serves as a clarion call for stakeholders to unite in closing the flood insurance gap. By prioritizing resilience and recovery through innovative solutions, awareness through education, and public-private engagement, we can build stronger, more prepared communities ready to face the challenges of flooding head-on.