More and more Americans face the threat of flooding. And as a country, we are woefully unprepared. Cities like Charleston and Miami already see routine coastal flooding. Hurricane Helene recently hammered many inland communities with flooding. And the risk is only rising.

FEMA's National Flood Insurance Program (NFIP) sells about 90% of the nation's flood insurance policies, but only a small percentage of Americans are covered. In an effort to account for climate change, expand coverage, and make the NFIP more "fair," FEMA recently overhauled its flood insurance program. It's called Risk Rating 2.0, and the sweeping changes are proving to be highly controversial.

In this episode, we talk to Rebecca Elliott, author of Underwater, about how the story of American flood insurance is really a story about people and our values as a nation.

For more resources about flood insurance and Risk Rating 2.0, check out the Coalition for Sustainable Flood Insurance.

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This episode was hosted by Carlyle Calhoun and Eva Tesfaye. Carlyle Calhoun is the managing producer. Our sound designer is Emily Jankowski and our theme music is by Jon Batiste. Sea Change is a WWNO and WRKF production. We are part of the NPR Podcast Network and distributed by PRX. Sea Change is made possible with major support from the Gulf Research Program of the National Academy of Sciences, Engineering, and Medicine and The Water Collaborative. WWNO’s Coastal Desk is supported by the Walton Family Foundation, the Meraux Foundation, and the Greater New Orleans Foundation.