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National Flood Insurance Program

Housing for the 21st Century Act clears House committee, heads to floor vote

Affordability, House of Representatives, Housing Market, HWmember, Legislation, National Flood Insurance Program, Politics /

The Housing for the 21st Century Act advanced in the House on Wednesday after a markup by the Financial Services Committee, setting the stage for a potential floor vote in early 2026. Lawmakers also unanimously passed a separate bill extending the authorization of the National Flood Insurance Program (NFIP). H.R. 5577 extends the program through […]

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Coalition presses for stronger federal flood response, eyes ROAD to Housing Act

Disaster Relief, FEMA, Flood, HWmember, Kentucky, National Flood Insurance Program, Natural Disaster, Ohio, Politics, Real Estate, Regulatory, Trump administration, Virginia, West Virginia /

A new multi-state coalition is warning that worsening floods across Appalachia — and the federal government’s uneven response — are heightening risks for communities, infrastructure and real estate markets across the region. The Appalachian Flood Resilience Coalition recently convened for the first time to examine Federal Emergency Management Agency (FEMA) funding fights, stalled mitigation programs

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Trade groups urge Congress to reauthorize NFIP

ALTA, American Bankers Association, Congress, Flood insurance, HWmember, Legislation, Mortgage, Mortgage Bankers Association, National Flood Insurance Program /

Last week, the Mortgage Bankers Association (MBA) and 14 other trade groups representing insurance companies, lenders and other financial institutions urged Congress to approve a long-term reauthorization of the National Flood Insurance Program (NFIP). In a letter to congressional leaders dated Dec. 2, the organizations said that millions of U.S. homeowners depend on the federally

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NFIP set to expire as shutdown, disaster seasons collide

Climate Change, Disaster Relief, Flood insurance, Government Lending, Housing Market, HWmember, National Flood Insurance Program, Regulatory, Trump administration /

With the National Flood Insurance Program (NFIP) set to expire Sept. 30, just as hurricane and wildfire seasons collide with the threat of a federal government shutdown, uncertainty is mounting for homeowners, insurers and the housing market. The NFIP has faced repeated short-term extensions and lapses, including under the Biden administration two years ago. Between

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$12.7 trillion in US homes face severe climate risks

Affordability, FEMA, Flood insurance, Homeowners insurance, Hurricane, HWmember, National Flood Insurance Program, Real Estate, Realtor.com, Wildfire /

More than one in four U.S. homes — valued at $12.7 trillion — are exposed to severe or extreme climate risks, according to a report released Tuesday by Realtor.com. The analysis found that threats from flooding, hurricane winds and wildfires are increasingly reshaping housing markets, homeowner costs and insurance availability. “Climate risks are no longer

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Tech startup offering AI-driven property level risk modeling

Affordability, Alabama, California, Climate Change, FEMA, Flood insurance, Florida, Homeowners insurance, Hurricane, HWmember, Insurance, Mississippi, National Flood Insurance Program, Natural Disaster, Real Estate, Tornado, Wildfire /

San Diego-based startup FutureProof is using artificial intelligence (AI) to change the way insurers assess catastrophe risk and set premiums, a shift that could make insurance both more affordable and easier to come by in disaster-prone regions. “FutureProof started with thinking about the build environment and everyone’s homes and businesses,” FutureProof co-founder and co-CEO Alisa

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