Carrie Thomas, Account Director: Datos Insights: Should I stay or should I go now? A personal perspective of flood risk in Florida (405)

Episode notes

In this episode, Matthew Grant is joined by Carrie Thomas, Account Director at Datos Insights, for a deeply personal look at what happens when insurance risk becomes a lived reality. Having spent years working closely with insurers, Carrie brings a rare dual perspective, both as an industry insider and as a homeowner navigating one of the most challenging insurance markets in the world. After relocating from the Carolinas to Florida, she found herself caught in a system where cover is not only harder to access, but increasingly difficult to justify. The conversation centres on her experience trying to secure homeowners and flood insurance in a state where carriers are withdrawing, pricing is volatile and eligibility rules create unexpected gaps. Despite not being in a designated flood zone, Carrie faced rising premiums, limited options and ultimately the decision to go without flood cover altogether. Set against the backdrop of Hurricanes Helene and Milton, she shares what it is like to experience storm risk first-hand, from uncertainty around evacuation to the aftermath of storm surge and its impact on communities.

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