Flood Insurance: The Hidden Gaps Putting American Families at Risk

Every year, as floodwaters surge over American homes and businesses, many families face a grim reality: their insurance won’t cover the full cost of recovery. While Washington touts federal flood insurance programs as safeguards, the truth is far more sobering. The National Flood Insurance Program (NFIP), meant to shield property owners from ruin, has significant coverage gaps that leave millions vulnerable—and taxpayers on the hook. Why does this matter for America’s future? Because national sovereignty means protecting citizens from disaster without saddling them with unpayable debts or leaving them helpless. Instead, many are forced to gamble on inadequate protection or...