In late 2021, the federal government announced it would do something it hasn’t done since the 1970s: overhaul key aspects of its flood insurance rules. Since then, the need for this update has been made abundantly clear. The recent chain of storms in California caps off yet another year marked by devastating floods in eastern Kentucky, St. Louis, Dallas, Yellowstone National Park and many other locations. And Florida still is recovering from Hurricanes Ian and Nicole. Flooding exacts a terrible toll on homeowners and residents, many of whom are completely unaware that they are at risk. Climate change has made flood disasters more severe and more frequent. Yet, developers keep building
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