Millions lack flood insurance amid rising risks and program flaws
A federal program meant to provide affordable flood insurance is failing to reach those most in need, with policy numbers declining.
AI-assisted coverage comparison, editor-supervised · How this was made
Flood Insurance Unprotected
Photograph: The Independent (US) (embedded from source)
What this story says
- Nationwide, 2.4% of properties have federal flood insurance, while 8.4% face severe or extreme flood risk.
- The number of federal flood insurance policies has dropped by about 500,000 over the past five years.
- In some eastern Kentucky areas, fewer than 5% of properties are insured despite high flood risk.
- Proposals to make the federal flood insurance program more affordable have not advanced.
Who covered it
Percentages are shares of the 21 outlets carrying a published leaning rating. 3 of the 24 outlets we know ran this story carry no rating and are not counted in them. Coverage measured .
Trust
60/100
Craft
70/100
Hype
20/100
24 sources · methodology
Missing from the right
Only 3 of the 21 outlets with a published leaning rating that ran this story are rated right.
A reader who follows the right would not have seen this. We report the absence rather than explain it: outlets choose what to cover for many reasons, and we have no evidence about which one applies here.
Millions of Americans who are most vulnerable to flooding do not have federal flood insurance, a situation made worse by a declining number of policies and increasing climate risks. Nationwide, only 2.4% of properties are covered by federal flood insurance, compared to 8.4% that are at severe or extreme risk of flooding. This gap highlights fundamental issues within the program, which struggles to balance affordability, flood protection, and the cost to taxpayers. The number of flood insurance policies has decreased by approximately 500,000 in the last five years. This trend occurs as the risk of flooding rises across the United States, driven by factors such as climate change.
The problem is particularly acute in areas like eastern Kentucky, where in some ZIP codes, fewer than 5% of properties have flood insurance, despite hundreds or thousands of buildings being at extreme risk. Experts note that areas with high flood risk and low insurance coverage tend to be poorer. These areas are also sometimes served by FEMA flood maps that do not accurately reflect the severity of the risk or mandate sufficient insurance purchases. Proposals aimed at overhauling the program, including making it more affordable for low-income individuals, have stalled in Congress.
Disagreement on flood map accuracy
Washington Top News and The Independent (US) report that FEMA's flood maps do not always accurately capture the extent of severe flood risk, leading millions to believe their homes are safer than they are and not requiring them to buy insurance when they might need it. The Seattle Times digest also notes that climate change increases flood risk, leading fewer people to buy insurance. None of the other digests provide specific details on the accuracy of FEMA's flood maps.
What the coverage left out
None of the left-rated or centre-rated reports mentioned specific figures for the total number of federal flood insurance policies currently in effect, only the decrease over five years. Additionally, none of the reports provided details on the cost of the federal flood insurance program to taxpayers.
Coverage settled. We checked this 44 times and stopped on 5 Oct 2026, 01:45. The figures above are what it finished at.
How each side covered it
Our own reading of the reporting listed below, written from the outlets’ articles rather than quoted from them. The reasoning is set out on our methodology page.
Left
10 rated outlets
- The left-rated reports highlighted the role of climate change in increasing flood risks across the United States, leading to fewer people buying flood insurance. They noted that areas with high flood risk and low insurance coverage tend to be poorer. The Independent (US) and The Seattle Times digests also mentioned that proposals to make the federal flood insurance program more affordable for low-income buyers have stalled. The Independent (US) and The Toronto Star digests used an Associated Press account that included personal stories from eastern Kentucky residents affected by the July 2022 flood, detailing their experiences with flood damage and lack of insurance.
Centre
8 rated outlets
- The centre-rated reports focused on the statistics of flood insurance coverage versus flood risk nationwide and in specific areas like eastern Kentucky. They highlighted the decrease in the number of flood insurance policies over the last five years and the challenges in reforming the federal program. Washington Top News, which provided a full report, included personal accounts from individuals affected by floods, illustrating the difficulties faced by those without insurance and the benefits for those who had it. The digests from My Mother Lode, The Record, and Winnipeg Free Press also used an Associated Press account that began with similar personal stories from eastern Kentucky.
Right
3 rated outlets
- The Washington Times and the Daily Jefferson County Union reported on the national flood insurance program. Both digests noted that millions of people lack flood insurance.
- The Washington Times digest highlighted individual stories of people affected by flooding, including Libby Honeycutt and Ronald Conley. It mentioned the program's flaws and rising prices.
- The Daily Jefferson County Union digest focused on the increase in flood risk due to climate change. It stated that fewer people are purchasing flood insurance, particularly in Appalachia and coastal areas like Louisiana.
Questions about this coverage
- How did the left and right cover Millions lack flood insurance amid rising risks and program flaws?
- Of the 21 outlets on this story carrying a published leaning rating, 48% are rated left, 38% are rated centre, 14% are rated right. Those percentages are shares of the rated outlets, not of every outlet that ran it, which was 24. The sections above set out what each side emphasised, in its own terms.
- Is Millions lack flood insurance amid rising risks and program flaws left or right?
- Neither side dominates it. Of the 21 rated outlets on this story, 48% are rated left, 38% are rated centre, 14% are rated right, and no side holds the 70% this site would want before calling a field one-sided. A story is not left or right in any case; the outlets that carried it are what carry ratings.
- Is the coverage of Millions lack flood insurance amid rising risks and program flaws biased?
- Millions lack flood insurance amid rising risks and program flaws is one event reported by 24 outlets, and this page does not rate the story as biased or unbiased. What it publishes is the spread: which outlets ran it, where named rating organisations place each of them on the spectrum, and what each side chose to lead with. A leaning rating describes an outlet's record over time, not this article, and the two should not be run together.
- Which side is not reporting Millions lack flood insurance amid rising risks and program flaws?
- When we first saw this story, outlets rated right had barely covered it. Coverage accretes for hours after an event, so that is where to look rather than a verdict — the split above is the current count, and it is the one to read.
- Which outlets covered Millions lack flood insurance amid rising risks and program flaws?
- 24 that we know of, every one of them listed further up this page with a link to its own report and to what we hold on the publisher. Nothing here is a summary of somebody else's summary: the outlets are named so the original reporting can be read.
- How many properties nationwide have federal flood insurance?
- Nationwide, only 2.4% of properties are covered by federal flood insurance policies. This is in contrast to the 8.4% of properties that are at severe or extreme risk of flooding, indicating a significant gap in coverage for those most vulnerable.
- Why are fewer people buying flood insurance?
- Fewer people are buying flood insurance due to a combination of factors including rising prices, outdated flood maps that do not accurately reflect risk, and stalled proposals to make the program more affordable. Climate change is also increasing the risk of flooding across many parts of the United States.
- What is the status of efforts to reform the federal flood insurance program?
- Proposals to overhaul the federal flood insurance program, including measures to make it more affordable for low-income buyers, have stalled. There is a general agreement that the program is 'broken,' but a lack of consensus on how to fix it.
Read it at the source
24 outlets, grouped by the leaning a published rating gives them. Every headline links to the original; an underlined outlet name opens our profile of that publisher.
Left
10- Millions facing flood risks lack coverage as federal insurance costs climb (opens Los Angeles Times in a new tab)
Los Angeles Times — is Los Angeles Times biased? Our profile of this outlet
- Those who need flood insurance the most, often don't have it (opens Associated Press News in a new tab)
Associated Press News — is Associated Press News biased? Our profile of this outlet
- Takeaways from the AP’s analysis on the fundamental flaws in the national flood insurance program (opens The Hamilton Spectator in a new tab)
The Hamilton Spectator — is The Hamilton Spectator biased? Our profile of this outlet
- Takeaways from the AP's analysis on the fundamental flaws in the national flood insurance program (opens Kokomo Tribune in a new tab)
Kokomo Tribune — is Kokomo Tribune biased? Our profile of this outlet
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens The Seattle Times in a new tab)
The Seattle Times — is The Seattle Times biased? Our profile of this outlet
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens The Toronto Star in a new tab)
The Toronto Star — is The Toronto Star biased? Our profile of this outlet
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens The Independent (US) in a new tab)
The Independent (US) — is The Independent (US) biased? Our profile of this outlet
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens The Independent in a new tab)
The Independent — is The Independent biased? Our profile of this outlet
Show 2 more
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens ABC News in a new tab)
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens The Record in a new tab)
The Record — is The Record biased? Our profile of this outlet
Centre
8- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens The Herald-Dispatch in a new tab)
The Herald-Dispatch — is The Herald-Dispatch biased? Our profile of this outlet
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens Weatherford Democrat in a new tab)
Weatherford Democrat — is Weatherford Democrat biased? Our profile of this outlet
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens The Daily Advance in a new tab)
The Daily Advance — is The Daily Advance biased? Our profile of this outlet
- America’s flood insurance gap is growing (opens Business Report in a new tab)
Business Report — is Business Report biased? Our profile of this outlet
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens My Mother Lode in a new tab)
My Mother Lode — is My Mother Lode biased? Our profile of this outlet
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices – WTOP News (opens Washington Top News in a new tab)
Washington Top News — is Washington Top News biased? Our profile of this outlet
- Millions who need flood insurance the most dont have it as flawed federal program raises prices (opens WBRZ in a new tab)
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens Winnipeg Free Press in a new tab)
Winnipeg Free Press — is Winnipeg Free Press biased? Our profile of this outlet
Right
3- Millions Who Need Flood Insurance The Most Don’t Have It As Flawed Federal Program Raises Prices (opens VINnews in a new tab)
- Millions who need flood insurance the most don't have it as flawed federal program raises prices (opens Washington Times in a new tab)
Washington Times — is Washington Times biased? Our profile of this outlet
- Takeaways from the AP's analysis on the fundamental flaws in the national flood insurance program (opens Daily Jefferson County Union in a new tab)
Daily Jefferson County Union — is Daily Jefferson County Union biased? Our profile of this outlet
Not rated
3- Flood Insurance Gap Leaves Eastern Kentucky Exposed (opens Hoodline in a new tab)
- Millions who need flood insurance the most don’t have it as flawed federal program raises prices (opens PressNewsAgency in a new tab)
PressNewsAgency — is PressNewsAgency biased? Our profile of this outlet
- U.S. flood insurance coverage falls as risk rises (opens The Business Journal in a new tab)
The Business Journal — is The Business Journal biased? Our profile of this outlet
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