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Flood Insurance’s Missing Millions: Four Decisions Congress Cannot Leave to a Map

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Texas flooding, archival photograph. FWS catalog date: January 11, 2021. Don Becker/USGS · Public domain Politics / The coverage gap Flood Insurance’s Missing Millions: Four Decisions Congress Cannot Leave to a Map 86% of modeled high-risk properties lacked NFIP coverage in April 2026. October 26, 2026 · Newjinmedia Politics Desk Independent analysis of public GAO, CBO and FEMA material, prepared with AI assistance. No on-site reporting. GAO’s October 2026 flood-insurance report puts four choices before Congress: risk maps, public disclosure, mortgage quotes and NFIP coverage limits. A new Government Accountability Office report finds that 86 percent of properties it classified as high risk lacked National Flood Insurance Program coverage as of April 2026. That is a measure of missing federal coverage—not proof that every one of those properties had no private policy. The distinction matters, but it does not erase the central political question: should Washington keep making a mor...

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