As one might expect i am somewhat biased in my opinion of myself. However, we have spent many years researching the markets for flood insurance in Coastal Barrier Resource Areas (or CBRA Zones). We have developed private market insurance plans for flood insurance in CBRA Zones or Cobra zones. Flood insurance is available for CBRA zones on Topsail Island and in all of the states in which we are currently licensed. Please check out our website to learn more about this issue. sfi insurance group dot com is the website name. Please check us out.