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"Will private flood insurance keep mortgages from going underwater?" by Melissa Klimkiewicz and Sara Ruvic (HousingWire)


Melissa Klimkiewicz

Spoiler: We aren’t certain whether private flood insurance will help homes retain their value, but we do know that the new flood insurance rules are presenting surprising challenges for lenders.

For years, homeowners in high flood-risk areas have relied on subsidized flood insurance that the federal government offers through the National Flood Insurance Program. Until recently, private flood insurance was essentially nonexistent for residential properties. 

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