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National Flood Insurance Program

NPR
Climate
Homes that were sold by the Department of Housing and Urban Development between January 2017 and August 2020 are in federally designated flood zones at almost 75 times the rate of all homes sold nationwide in that period. New Jersey is one hot spot. Here

The Federal Government Sells Flood-Prone Homes To Often Unsuspecting Buyers, NPR Finds

Sep 13, 2021
The Department of Housing and Urban Development disproportionately sells homes in flood-prone areas, NPR finds. Housing experts warn that this can lead to big losses for vulnerable families.
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NPR
Climate Risk Hits Home

Living In Harm's Way: Why Most Flood Risk Is Not Disclosed

Oct 20, 2020
About 15 million properties in the U.S. are prone to flooding, but patchwork and ineffective disclosure laws mean most people get little to no information about flood risk before they move.
NPR
Science
A new report finds FEMA is not effectively allocating money for homes that repeatedly flood. More than 100 homes in Cameron Parish, La., have flooded multiple times according to FEMA data.

Inspector General Slams FEMA Over Repeatedly Flooded Homes

Sep 15, 2020
These homeowners are eligible for federal help, but a new report finds that FEMA often fails to provide that assistance.
NPR
Science
A flooded street in Orange, Texas in 2017. Climate-driven extreme rain and sea level rise, coupled with development in flood-prone areas, have led to more competition for limited federal flood mitigation dollars.

States Prepare To Spend Millions To Address Flooding

Jul 06, 2020
States including Virginia and Texas have set aside significant money to address flooding. Local officials hope it will help pay for flood prevention projects that the federal government won't fund.
NPR
Environment And Energy Collaborative
Hurricane Harvey's devastating flooding caught many homeowners by surprise, and prompted support for more disclosure about flood risk.

In Texas, Home Sellers Must Now Disclose More About The Risk Of Flooding

Oct 27, 2019
In many places there's no requirement to tell a home buyer if a house is at risk of flooding, even as climate change increases that risk. Some hope a new Texas law will be a national model.
NPR
Environment
More precipitation fell in the continental U.S. in the 12 months ending in May 2019 than ever recorded. Records go back more than 120 years. Blue areas had more groundwater than usual for May. Orange and red areas had less.

Small Towns Fear They Are Unprepared For Future Climate-Driven Flooding

Jul 25, 2019
The central U.S. just experienced the most widespread river flooding ever recorded there. Flood defenses in major cities largely performed well, but many smaller communities were simply overwhelmed.
NPR
Politics
A box of trash overflows near the Lincoln Memorial in Washington, D.C., this week as some government services have been stopped during a partial government shutdown.

Fallout Grows As Partial Government Shutdown Drags On Into New Year

Dec 29, 2018
There's no end in sight for the spending standoff that has forced the shutdown of about a quarter of the federal government. The longer the shutdown continues, the more services will be affected.
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NPR
The Two-Way

Early Data From Harvey Shows Epic Flooding

Sep 01, 2017
Government flood maps may need to be redrawn following Harvey. That, in turn, could have implications for insurers.
NPR
Business
Larry Koser Jr. (left) and his son, Matthew, look for important papers and heirlooms inside his house after it was flooded by heavy rains from Hurricane Harvey.

Insurers Gear Up For Deluge Of Claims, Hope To Avoid Sandy Repeat

Aug 31, 2017
To work all the expected flood claims, insurance companies will rely on hundreds of small processing companies. Some worry that inexperienced claims adjusters will do more harm than good.
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NPR
Science
(Left to right) Billy Blazier, Randy Diez Jr. and Tray Blazier checked in on Billy's flooded home on Aug. 18, in Sorrento, La. Many storm sewers nationally simply weren't built to handle the sort of intense rainfall that seems to be happening with greate

Outdated FEMA Flood Maps Don't Account For Climate Change

Sep 15, 2016
Flood managers suspect August's big rainstorms and floods in Louisiana are becoming more common there and elsewhere because of climate change. One clue: Much of the damage was beyond the flood plain.
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NPR
NPR News Investigations
Robert Hunter became the federal insurance administrator in 1976. On the right is then-Secretary of Housing for Urban Development Carla Hills, and on the left is his wife, Carole.

Business Of Disaster: Insurance Firms Profited $400 Million After Sandy

May 24, 2016
More than three years after Superstorm Sandy, NPR and PBS's Frontline investigate the thousands still not home, the government agencies that failed to help and the companies that made millions.
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NPR
Hurricane Katrina: 10 Years Of Recovery And Reflection
Tim and Jacki Blackwell rebuilt their house after Katrina hit, but after 10 years of struggling with flooding and other issues, they decided to move to Georgia.

In Town Hard-Hit By Katrina, Buyouts Offer Opportunity — For Lucky Few

Aug 21, 2015
Ten years ago, tiny Pearlington, Miss., got hit with a 30-foot wall of water, inundating homes that hadn't flooded in 50 years. Some rebuilt — repeatedly — but for others, the incentive isn't there.
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NPR
The Two-Way
A worker shovels muck out of a home in Longport, N.J., after Superstorm Sandy in 2012. Federal regulators say homeowners will be able to challenge insurance payouts they believe shortchanged them.

Feds Prepared To Reopen All Superstorm Sandy Insurance Claims

Mar 11, 2015
FEMA's move comes after months of questions about whether insurance companies shortchanged homeowners.
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