Brandi Gabbard, SRS, is a broker-associate at Smith & Associates Real Estate in St. Petersburg, Fla. She is past chair of the National Association of REALTORS®’ Insurance Committee, an active St. Petersburg city councilwoman, and past chair of the Pinellas County REALTOR® Organization. She is a thought leader and frequent speaker at the local, state, and federal levels and a strong advocate for flood risk identification, communication, mitigation, and insurance.