On Valentine's Day 2025, extreme rainfall in Kentucky, Tennessee, and Virginia triggered widespread flooding, landslides, and significant loss of life. Over 300 roads were closed in Kentucky, forcing hundreds of families to evacuate and more than 1,000 people to be rescued. Meanwhile, insurance challenges complicate recovery efforts, as flood insurance becomes increasingly unaffordable due to climate change. FEMA's updates to flood insurance pricing led to staggering rate increases for some, prompting calls for government subsidies to help low-income homeowners maintain their insurance and recover from disasters.
They could receive a discount from that based on their ability to pay so they could stay in their home and continue to serve the community that they live in.
As climate change worsens disasters, including floods, across the globe, home insurance is becoming increasingly expensive and difficultâsometimes impossibleâto acquire.
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