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1 posts on "flood maps"
May 23, 2022

The Adverse Effect of “Mandatory” Flood Insurance on Access to Credit

Kristian Blickle, Katherine Engelman, Theo Linnemann, and João A.C. Santos

The National Flood Insurance Program (NFIP) was designed to reduce household and lender flood-risk exposure and “encourage lending.” In this post, which is based on our related study, we show that in certain situations the program actually limits access to credit, particularly for low-income borrowers—an unintended consequence of this well-intentioned program.

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Posted at 7:00 am in Banks, Climate Change, Household Finance, Inequality | Permalink | Comments (2)

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