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With the National Flood Insurance Program (NFIP) currently set to expire on February 9, and many communities still recovering from this summer’s hurricanes, it’s no surprise that the 21st Century Flood Reform Act has passed the House and moved to the Senate. But it’s important to note that Hurricane Harvey—which is estimated to have caused $65 billion to $75 billion in damage in Texas, according to AIR Worldwide—is only the latest in a string of disasters that highlight two major issues in U.S. flood insurance: the underestimated geographical spread of the threat, and the millions of uninsured and underinsured Americans who don’t even know they’re at risk.

Much of Harvey’s flooding extended beyond what are traditionally considered the highest hazard flood zones. It’s not the first such event in recent memory. Iowa in September 2016, Louisiana in August 2016, and South Carolina in October 2015 saw flooding in unexpected places. In fact, of the 43 property/casualty insurance catastrophes identified so far in 2017 by Verisk’s Property Claim Servicesâ, 38 involve losses due to flooding

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