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David J. Phillip / AP

"The number of [flood-insurance] policies ... has fallen in 43 of the 50 states since 2012, dropping from almost 5.5 million to just under 5 million, a decrease of 10 percent," per an AP analysis:

  • "In only two states — Hawaii and South Carolina — are at least 50 percent of homes in flood hazard areas insured under the program.
  • Why it happened: "Congress approved a price hike, making premiums more expensive, and maps of some high-risk areas were redrawn. Banks became lax at enforcing the requirement that any home with a federally insured mortgage in a high-risk area be covered. Memories of New Orleans underwater in 2005 after Hurricane Katrina have faded."
  • Why it matters: "Without flood insurance, storm victims would have to draw on savings or go into debt — or perhaps be forced to sell."

Go deeper

The Mischief Makers

Illustration: Sarah Grillo/Axios

Several Republican and Democratic lawmakers are emerging as troublemakers within their parties and political thorns for their leadership.

Why it matters: We're calling this group "The Mischief Makers" — members who threaten to upend party unity — the theme eclipsing Washington at the moment — and potentially jeopardize the Democrats' or Republicans' position heading into the 2022 midterms.

24 mins ago - Politics & Policy

Obama speechwriter fears Biden unity drive is one-sided

Cody Keenan (right) is shown heading to Marine One in December 2009. Photo: Mandel Ngan/AFP via Getty Images

President Obama's former speechwriter says he's "preemptively frustrated" with President Biden's effort to find unity with Republicans.

What they're saying: Cody Keenan told Axios that Biden's messaging team has "struck all the right chords," but at some point "they're gonna have to answer questions like, 'Why didn't you achieve unity?' when there's an entire political party that's already acting to stop it."

Scoop: Conservative group puts $700k behind Hawley

Sen. Josh Hawley explains his objection to certifying the 2020 election results hours after the U.S. Capitol siege. Photo: Congress.gov via Getty Images

A Republican group is raising and spending huge amounts of money defending Sen. Josh Hawley after he was ostracized for early January’s attack on the U.S. Capitol.

Why it matters: The Senate Conservatives Fund is backfilling lost corporate and personal donations with needed political and financial support, helping inoculate the Missouri lawmaker as he weighs re-election or a possible presidential campaign in 2024.