June 2026

Greetings!

I’m Denise Boehning, President of CoastalWide LLC, and I’ve been working in the Floodplain Management Industry since 2008. Over the years, I’ve had the opportunity to help communities navigate the complexities of the NFIP and CRS programs while working toward long-term compliance, preparedness, and resilience.

My background combines floodplain management, flood insurance, and regulatory compliance. Before entering this field, I worked as a Compliance Officer for an international wholesale bank in New York City. Today, as a Certified Floodplain Manager (CFM), licensed insurance agent, and Associate in National Flood Insurance (ANFI), I bring both the insurance and municipal compliance perspectives to the communities we serve.

At CoastalWide LLC, we understand that floodplain management is about more than regulations — it’s about protecting communities, property owners, and future growth opportunities.

In the coming months, I’ll be sharing:

• Floodplain management updates and insights – FEMA updates, flood insurance changes, and important information to help communities, property owners, and professionals prepare before, during, and after hurricane season and major rain events.

• CRS and NFIP guidance – News, updates, and practical information for Community Rating System (CRS) Coordinators and communities participating in the National Flood Insurance Program (NFIP).

• Flood insurance tips and advice – Expert guidance to help homeowners, buyers, realtors, and community leaders better understand flood risk, insurance coverage options, and common misconceptions.

• Best practices for floodplain management and compliance – Practical recommendations and industry insights to support effective floodplain administration and community resilience.

• Important industry changes and legislative updates – Timely information on regulatory changes, floodplain management requirements, Florida Building Code updates, and other developments that may impact construction and development in flood hazard areas.

• Helpful tools and resources – Curated links, guides, and educational materials from trusted sources to help you stay informed and make confident decisions.

I’m also sharing a helpful guide/resource with you today. I appreciate the opportunity to connect with you and look forward to providing valuable information and support along the way.

Questions about flood insurance or floodplain issues?

Schedule a complimentary 30-minute consultation with Denise Boehning. General guidance is provided at no charge; detailed property-specific analysis is available as a paid service.

Sincerely,

Denise Boehning, ANFI, CFM

President | CRS Program Flood Specialist & Floodplain Administrator

CoastalWide LLC

(772) 532-4536

Denise@CoastalWide.com

www.CoastalWide.com

Expert insights from a Certified Floodplain Manager to help you understand flood risk, insurance coverage, and costly mistakes to avoid.

Flood insurance is one of the most misunderstood aspects of buying and owning a home. Unfortunately, many people don't realize what they don't know until after a flood occurs—and by then, the financial consequences can be significant.

In fact, most homeowners believe at least one of these common myths:

❌ "I'm not in a flood zone, so I don't need flood insurance."

❌ "My homeowners insurance covers flood damage."

❌ "I already have flood insurance, so I'm fully protected."

The truth? Thousands of property owners are caught off guard every year because they don't fully understand their flood risk, policy limitations, or available insurance options.

That's exactly why I created the CoastalWide Risk Rating Guidebook.

Drawing on my experience as a Certified Floodplain Manager (CFM), Associate in National Flood Insurance (ANFI), licensed insurance professional, and CRS Program Specialist, I developed this practical, easy-to-understand guide to help homebuyers, homeowners, realtors, mortgage professionals, and community leaders make informed decisions before costly surprises occur.

A Sneak Peek Inside the Guide

One of the first topics covered addresses a common misconception:

"I'm not in a flood zone, so I don't need flood insurance."

The reality is that flood risk exists beyond FEMA-designated high-risk flood zones. Many flood insurance claims occur in areas considered low to moderate risk, leaving homeowners surprised when flood damage isn't covered by their standard homeowners policy.

This is just one of the many topics explored throughout the guide.

Inside You'll Learn:

✔ How to understand FEMA flood zones and flood maps

✔ What the National Flood Insurance Program (NFIP) covers—and what it doesn't

✔ How Risk Rating 2.0 affects flood insurance premiums

✔ The differences between NFIP and private flood insurance options

✔ Common coverage gaps that homeowners often discover too late

✔ Strategies that may help reduce flood insurance costs

✔ Critical questions every homebuyer should ask before closing

✔ What steps to take immediately following a flood event

Bonus Resources Included

• Buyer's Flood Due-Diligence Checklist

• Elevation Certificate Quick Guide

• Realtor Disclosure Script Template

• Flood Insurance Glossary

• Resources and Next Steps Guide

Whether you're purchasing your first home, helping clients navigate a real estate transaction, or evaluating your current flood insurance coverage, this guide provides practical, real-world information you can apply immediately.

For just $39, you'll gain expert guidance that could help you avoid costly mistakes, ask better questions, and make more informed flood insurance decisions.

Ready to protect your investment with confidence?

Purchase the CoastalWide Risk Rating Guidebook for ONLY $39!