Millions who need flood insurance the most don’t have it as flawed federal program raises prices

As climate change increases flooding risks across parts of the United States, millions of people who urgently need flood insurance do not have it, driven in part by price increases from a flawed federal program. Fewer people are purchasing coverage despite growing environmental threats.

In eastern Kentucky, the devastating real-world impacts of these floods were illustrated when residents like Libby Honeycutt heard floodwaters destroy their homes, and Ronald Conley used a pontoon to rescue his dogs from an elevated house twenty-six miles to the south.