FEMA: Floods, Fine Print, and the Fiction of Climate Change
The National Flood Insurance Program (NFIP) is, I believe, off-track. We are subsidizing (socialism) flood risk using a mid-20th century insurance framework (ancient) against 21st century climate change (reality), local politics (not national), and changing hydrology. FEMA is not actively constricting or guiding development away from high risk areas, despite this being an objective of the law. The NFIP is deeply in debt. Flood water does not care about your mortgage, zip code, income, skin color, generation, or party registration. It only cares about gravity, volume, and contours. Image generated by ChatGPT, March 2026 The NFIP is next in my series of things that surprised me about FEMA. FEMA is the Federal Emergency Management Agency, part of the Department of Homeland Security (DHS). I quit FEMA in March and wrapped up 20 years working for the executive branch of the government. See why in my earlier post . Flooding Every year, we experience flooding. It’s a global problem...