Last year, FEMA updated its pricing system for flood insurance to more accurately reflect risk called Risk Rating 2.0.
People were using kayaks to evacuate their flooded homes, and floodwaters in some areas have still not gone down a week after landfall.
“We have experienced catastrophic flood events across the U.S. this year, including in Kentucky and Missouri, where virtually no one had flood insurance,” said the Institute’s Mark Friedlander. After a federally declared disaster, homeowners with flood insurance are likely to receive more money, more quickly, to recover and rebuild than the uninsured.
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