The Shifting Burden of Flood Insurance

Adair Wallerstein’s house in the process of being raised.
(Credit: Pamela D’Angelo)

This summer, tornados and intense rains have devastated some of Virginia’s tiny communities from the Atlantic Coast to mountain valleys.

The Federal Emergency Management Agency or FEMA will be increasing flood insurance premiums next year.

Homeowners are facing emotional decisions, some with hefty price tags, to adapt to the changing climate.

One option is to go high. In this three-part series, Pamela D’Angelo looks at federally-funded solutions.

Virginia’s changing climate has created a flooding problem, and not just on the coast.

In August, homeowners and small businesses in the Shenandoah Valley were hit with not one but two floods. In smaller communities, federal aid is not easy to get.

Throughout Virginia, communities are facing down climate change.

A common symptom – more frequent flooding of their homes. A common fix – state and federal funding.

But it’s not easy to get and the National Flood Insurance Program is shifting the burden to those willing to take the risk of living close to the water.

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