The decline in flood insurance coverage leaves millions of Americans vulnerable to financial ruin in the event of flooding. Areas like eastern Kentucky, where only 2.1% of properties are insured despite nearly half being at severe or extreme risk, are particularly affected. Many residents in high-risk areas are low-income, making it difficult for them to afford rising insurance premiums. Without coverage, recovery from flood damage is slow and costly, often relying on limited FEMA assistance or charitable aid. The lack of adequate flood mapping and insurance coverage also increases the risk of displacement for affected families, as seen in the aftermath of the 2022 Kentucky floods, which caused significant damage and loss of life.