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insurance

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A tightrope walker pictured from below walking across a line between buildings.

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.

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A row of small, two-story houses with pitched roofs on a paved street. They alternate in color between yellow and medium gray, and some have shrubs in the front yards. There are no cars n the street.
Reported Article

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.

Housing

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.

Financial System

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.

Flooding in North Charleston, South Carolina
Policy

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.

Equity

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.

Policy

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.

Financial System

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 […]

Financial System

Predatory Lending: Subprime Lenders trick homeowners into expensive loans.

Laid off after 29 years of working for a local telephone company in North Carolina, “Roberta Green” was struggling. Although she had a part-time job driving a school bus, she […]

Housing

Insurance Redlining: Still Fact, Not Fiction

Homeowner insurance redlining discriminates against Blacks and undermines urban redevelopment.