As standard homeowners' policies do not cover flood and many people do not purchase a separate policy, flood damage is a major source of uninsured losses. Rising flood risks and the uncertain financial future of the National Flood Insurance Policy (NFIP) underscore the importance of growing the private flood insurance market.  As such, this session will discuss what was learned from the recent and more granular NAIC nationwide data call as well as the development of North Carolina Rate Bureau’s (“NCRB”) filed Residential statewide Flood program.