The lack of flood insurance coverage disproportionately affects low-income communities, particularly in areas like eastern Kentucky and southern Louisiana. Residents in these regions face significant challenges in recovering from flood damage without insurance, relying instead on limited federal disaster aid or charity. FEMA’s outdated flood maps fail to capture the full extent of flood risks, leaving many unaware of their vulnerability. Rising insurance costs, driven by modernized risk assessments, have made coverage unaffordable for many, further widening the gap between insured and at-risk properties. This trend leaves millions exposed to financial hardship in the event of flooding.