Insurance helps drive how we respond to sea-level rise, coastal hazards, and climate change.
Without qualifying flood insurance, property owners are not eligible for federally backed mortgages, which comprise about 95% of residential mortgages in the commercial market.
This page begins with a link to a Q&A resource about flood insurance, then examines recent news about flood insurance, provides historical background on flood insurance in the United States, and finally retains explanations of previous changes by Congress to flood insurance in 2012 and 2014.