The National Flood Insurance Program (NFIP), Reinsurance, and Catastrophe Bonds
Insurance transfers risk from one entity who does not want to bear that risk to another entity that does. An initial insurance purchase, such as homeowners buying a policy to cover damage to their hom...
HHS Finalizes Rule Addressing Section 1557 of the ACA’s Incorporation of Title IX
On May 6, 2024, the Department of Health and Human Services (HHS), through its Office for Civil Rights (OCR), issued a final rule implementing Section 1557 of the Affordable Care Act (ACA). Through re...
National Flood Insurance Program Risk Rating 2.0: Frequently Asked Questions
This Insight answers some frequently asked questions about Risk Rating 2.0, which came fully into effect on April 1, 2022, changing the way the National Flood Insurance Program (NFIP) calculates flood...
Climate Change, Slow-Onset Disasters, and the Federal Emergency Management Agency
FEMA and Climate Change
The United States is already experiencing certain effects of climate change, including high temperature extremes and heavy precipitation events. The U.S. Global Change Research...