AFR Services

10/16/2026

Three things about climate risk that should sound familiar to anyone managing flood and hazard compliance:

The impact is rising and far-reaching. It's not staying contained to a handful of zip codes anymore.

Timing and severity are deeply uncertain. There's no scheduling around it.

The future won't look like the past. Historical loss data is becoming a less reliable guide.

Community lenders are being pushed toward more forward-looking risk assessment. We're breaking down what that looks like in practice, and how flood zone determinations, insurance tracking, and life of loan monitoring fit in.

Full breakdown here: https://na2.hubs.ly/H084cys0

10/15/2026

Florida agents: January 1, 2027 is closer than it looks. That's when every Citizens Property Insurance policyholder must carry separate flood insurance, whether or not they're in a flood zone.

Many of your clients haven't budgeted for it yet. Start the conversation now, while there's time to compare NFIP and private options.

AFR gives you access to both, plus our own Lloyd's-backed markets.

Start a quote with no appointment: https://na2.hubs.ly/H0854sz0

10/13/2026

FEMA's latest map revisions just moved thousands of homes into high-risk flood zones across more than 100 communities in 12 states.

Affected borrowers have 45 days to secure coverage. For lenders, that means a surge of notifications, tracking, and possible force-placement.

AFR's Life of Loan monitoring catches map changes at the structure level, so nothing slips through. Is your portfolio ready for the next update?

Learn More: https://na2.hubs.ly/H0851Pd0

10/08/2026

88% of policyholders say they want their insurance provider to proactively flag coverage gaps before they become a problem.

56% say they haven't heard from their provider in over a year, or aren't sure if they ever have.

That gap is where trust is won or lost, and it applies just as much to commercial clients as it does to home and auto.

We broke down what this means for agents and their books of business: https://na2.hubs.ly/H084dkL0

Clients want proactive guidance, not just a policy. See what new survey data means for agents building trust with commercial clients.

10/07/2026

Community lenders aren't just watching climate risk from the sidelines. According to a recent op-ed from a former Federal Reserve Board advisor, the focus on climate risk is growing.

Localized weather events like the Florida freeze and Midwest tornado outbreak earlier this year weren't just news stories. They were balance sheet events for the community banks and credit unions lending in those regions.

We broke down what this means for lenders and where it overlaps with what you're likely already tracking.

Read our blog: https://na2.hubs.ly/H084chH0

10/06/2026

Tomorrow's the day! 🌊

AFR Research Director Derik Pierson joins the National Flood Association's expert panel to break down FEMA Letters of Map Change: what they mean for flood zone determinations, lender compliance, and insurance costs.

Bring your toughest LOMC questions. We'll see you there.
📅 Tomorrow, October 7 | 1:00 PM CT
👉 Last chance to register: https://na2.hubs.ly/H084_m30

10/05/2026

Registration is open!

Join AFR Research Director Derik Pierson and the National Flood Association's panel of experts for a practical look at FEMA Letters of Map Change.

You'll learn how LOMCs impact flood zone determinations, lender compliance, and insurance premiums, with real-world examples of the cases that confuse even seasoned pros.

Lenders, agents, surveyors, and floodplain managers welcome.

📅 October 7 | 1:00 PM CT
👉 Register: https://na2.hubs.ly/H084_vN0

10/01/2026

Most standard homeowner's policies don't cover flood AND most clients don't know that until their home begins to flood. Insurance commissioners are blunt about it: if it rains where you live, flood is worth considering, zone or no zone. Your clients count on you to flag the gaps they can't see. Are flood conversations part of every review?

Make flood conversations easier with AFR Insurance Services: https://na2.hubs.ly/H07z0tc0

09/30/2026

AFR Research Director Derik Pierson is joining the National Flood Association's expert panel for an upcoming webinar on FEMA Letters of Map Change.

LOMAs, LOMR-Fs, and LOMRs each affect lending requirements, insurance ratings, and premiums differently. Derik and fellow panelists will cover the complex cases, including revalidations, multi-structure determinations, and LOMRs that supersede earlier LOMCs.

📅 Save the date: October 7 | 1:00 PM CT
👉 Details: https://na2.hubs.ly/H084_Hc0

09/29/2026

AFR never took the researcher out of the process. Our determinations are made to the structure, not just the parcel, combining GIS-based mapping technology with Certified Floodplain Managers who catch what automation alone misses.

No subcontracting. Rapid turnaround.

Request a Demo Today: https://na2.hubs.ly/H07zbY_0