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Featured Guide · Water Damage

A 'Super El Niño' Just Cut the 2026 Hurricane Forecast to One Major Storm, and It's Quietly Moving Your Home Risk From Wind to Water

NOAA now puts the odds of a below-normal 2026 hurricane season at 75 percent, and Colorado State is forecasting just one major hurricane. But both storms that have already hit were water events, not wind events, and one of them set a Louisiana rainfall record. Here is what that means for your house, what your homeowners policy will not cover, and why the calendar matters before September 30.

Aug 11, 202618 min read

Water Damage

Your Home Sale Could Freeze on September 30: The Federal Flood Insurance Program Hits Its Deadline Again, and 40,000 Closings a Month Hang on It

The National Flood Insurance Program's authority to write and renew policies expires at 11:59 p.m. on September 30, 2026. Here is what a lapse actually does, what it does not do, and how to time a home purchase, sale, or refinance around the deadline.

Jul 21, 202610 min read

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