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Survey Says: Rising Insurance Prices and Dropped Policies Threaten Community Development Work
Insurance carriers have dramatically raised premiums or even canceled policies on affordable housing providers, according to survey results.
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How Can We Reform Property Insurance to Adapt to Climate Change?
Climate change is fueling more frequent and extreme disasters, and insurance companies are responding by dropping communities and raising premiums. Here’s what an equitable, reformed property insurance model would look like.
Insurance Redlining Is Back—But We Can Fight It
For decades, insurance regulators have resisted requiring the kind of disclosures that are now routine around mortgage lending. But that might change.
Rising Property Insurance Costs: The Threat to Affordable Housing
This video and related articles explore a ballooning crisis endangering affordable housing, even as the need for it keeps growing.
Reining in Rising Property Insurance Rates
There are many proposed ways to mitigate the property insurance cost crisis. They all require federal or state government to act.
Are Insurance Problems on the Horizon for Community Development Groups?
A mistaken cancellation letter to a national membership organization might indicate trouble to come for on-the-ground community development organizations.
Soaring Property Insurance Rates Threaten Affordable Housing Development
Rapidly rising insurance premiums are forcing affordable housing developers to cut back on programming, lay off staff, and even sell. To add insult to injury, some insurers also seem to be adding penalties or withdrawing coverage for housing voucher holders.
Security Deposit Alternatives: The Misleading Marketing of ‘Renter’s Choice’
Dozens of cities and states are considering legislation allowing alternatives to upfront security deposits, such as “security deposit insurance.” The only problem? It’s not actually insurance.
Why the Community Reinvestment Act Must Be Expanded Broadly Throughout the Financial Industry
The financial industry has been one of the main perpetrators of racial discrimination. It should be obligated to serve all communities, particularly communities of color.
The Uncertain Flood Zone
Communities need accurate maps and more access to data to increase flood resilience—but right now FEMA’s not providing that.
Rising Tides, Rising Costs
In the face of climate change, flood insurance rates are rising. But program rules, and the history of who has been shunted into the floodplains, means the brunt is being bore by those least able to absorb it.
Next Target: Insurance Redlining
Bank reform offers a chance to address an under-the-radar form of redlining with the same sort of data disclosure HMDA requires about mortgage lending.
Insuring Reinvestment
Low-income neighborhoods and communities of color have been fighting for decades to get equal access to financial services, fend off predatory lenders, and get the banking industry to reinvest in […]