AN INDEPENDENT RISK MANAGEMENT COMPANY

FRM Group Insurance and Financial Services

September 2025 Newsletter

Protecting What Matters Most - National Preparedness Month!

National Preparedness Month:

Are You Truly Protected?

The stark reality is this: Flooding is Pennsylvania's most common and destructive natural disaster — and yet, most homeowners are dangerously underprotected.

The Risk is Real:

99% of U.S. counties (including nearly all of PA) have experienced flooding in the past 20 years.
From 2013–2023, over 7,584 flood claims were filed by PA property owners, totaling more than $284 million in damages paid through the NFIP.
Just 1 inch of water can cause $25,000+ in damage — but FEMA payouts (without flood insurance) often fall short, leaving you exposed.

It's NOT Just Coastal Areas Anymore

Rising rainfall, overflowing rivers, and increasingly unpredictable weather patterns mean every property is vulnerable. Even if you're not in a "high-risk" flood zone, you can still suffer devastating loss — and standard home insurance won't cover it.

Emergency Prep Tools from

Plymouth Rock & Progressive

Two of our most trusted carriers — Plymouth Rock and Progressive — offer 24/7 services and user-friendly mobile apps to help you manage emergencies with confidence.

🧰 Key Resources:

Mobile Claims Filing
Instant ID Cards
Roadside Assistance Access
Flood Prep Resources
Home & Auto Bundles

Stay safe, stay informed and review your

coverage now before you need it.

We Have You Covered:

As an independent agency, we work with multiple flood insurance providers to ensure the right fit for every client, including:

Beyond Flood
National General NFIP
Assurant
Aon Edge
Neptune via Plymouth Rock

Talk to our Flood Experts

Stacy & Ronnie — today!

Protect your property, your savings, and your peace of mind.

📞 Call us at 570-421-7447 or email info@frminsurancegroup.com

Stacy J. Ferguson

Account Manager,

Personal Lines

StacyF@FRMinsurancegroup.com

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Ronalyn D. Birnbaum

Managing Agent,

Commercial/Personal Lines

RonnieB@FRMinsurancegroup.com

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Ready for Anything?

Disasters don’t wait but you can be ready.

Schedule your free Flood & Emergency Insurance Review today.

Let us help you protect what matters most.

Community Happenings September 2025

Local Community Events: Mark Your Calendar!

COTA Jazz and Arts Festival, DWG

September 6th & 7th 2025

The Annual Delaware Water Gap Celebration of the Arts packs several sets of ensemble jazz performances, plus theater and arts, into a two-day festival in the scenic borough of Delaware Water Gap. The festival is held rain or shine. In case of rain, the performances will be held under a tent. Pets not permitted.

Grocer's Fight Cancer Day

Kinsley's Shoprite

September 9th

Brodheadsville

Support the cause during your regular grocery run!

170th Annual Bloomsburg Fair

September 19th - 27th 2025

The Bloomsburg Fair, Pennsylvania's largest agricultural fair, was established in 1855 to showcase the agricultural produce of Columbia County farmers. It attracts over 350,000 visitors annually. The Bloomsburg Fair Association, the fair's membership organization, has 1,856 active shareholders deeply involved in promoting and educating the public on youth involvement in the food chain.