In the wake of a record-shattering 28 billion-dollar extreme weather and natural disaster season in 2023, the U.S. finds itself at the mercy of an increasingly volatile climate.

As hurricanes grow fiercer, sea levels rise and rainfall patterns shift, one crucial line of defense once again stands at a crossroads—the National Flood Insurance Program (NFIP). Yet, with its fate hanging in the balance, the NFIP is not merely grappling with floodwaters but navigating treacherous political currents as well.

The program’s survival, marked by 28 short-term reauthorizations since 2017, resembles a temporary fix on a systemic wound, as the nation hurtle

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