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  <title>Harvey Aftermath: Half of Residential/Commercial Properties in Houston Likely Lack Flood Insurance - Carrier Management</title>
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	<h2>Harvey Aftermath: Half of Residential/Commercial Properties in Houston Likely Lack Flood Insurance</h2>
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		August 28, 2017					</div>
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<article id="post-170660" class="clearfix post-170660 new type-new status-publish has-post-thumbnail hentry category-claims-legal category-commercial-lines category-industry-news category-litigation-liability-trends category-markets category-news category-personal-lines category-reinsurance category-research category-risk category-specialty category-c-suite category-us category-underwriting tag-fema tag-flood-insurance tag-harvey tag-hurricane-harvey-corelogic tag-nfip">
	<figure id="attachment_170632" class="thumbnail wp-caption alignright" style="width: 300px"><img class="size-medium wp-image-170632" src="/assets/users_iqjWHBFdfxIU_i4IkCkweiZQc_v0_pi0TFsqn_N8siPbzgcJYQlLw_-1x-1-300x200.jpg" alt="" width="300" height="200" srcset="/assets/users_iqjWHBFdfxIU_i4IkCkweiZQc_v0_pi0TFsqn_N8siPbzgcJYQlLw_-1x-1-300x200.jpg 300w, /assets/users_iqjWHBFdfxIU_i4IkCkweiZQc_v0_pi0TFsqn_N8siPbzgcJYQlLw_-1x-1-768x512.jpg 768w, /assets/users_iqjWHBFdfxIU_i4IkCkweiZQc_v0_pi0TFsqn_N8siPbzgcJYQlLw_-1x-1-620x413.jpg 620w, /assets/users_iqjWHBFdfxIU_i4IkCkweiZQc_v0_pi0TFsqn_N8siPbzgcJYQlLw_-1x-1-135x90.jpg 135w" sizes="(max-width: 300px) 100vw, 300px" /><figcaption class="caption wp-caption-text">Damages inside a store in Rockport on Aug. 26. Photographer: Alex Scott/Bloomberg</figcaption></figure>
<p>In the wake of Hurricane Harvey and its aftermath along the Texas coast, one ominous reality has emerged: just over 50 percent of residential and commercial properties in metro Houston likely lack flood insurance coverage.</p>
<p>While that presents potentially less pressure on private</p>
<p>A CoreLogic analysis determined that 52 percent of residential and commercial properties in the Houston area are either at high or moderate risk of flooding, but they&#8217;re not in a Special Flood Hazard Area as identified by the Federal Emergency Management Agency.</p>
<p>As CoreLogic explains, a SFHA zone which is categorized as extreme or very high risk, and properties inside such an area must legally have flood insurance if the property has a federally insured mortgage.</p>
<p>That&#8217;s troubling because metro-Houston has been typically hard hit by Harry and the days-long torrential rain and floods that have followed.</p>
<p>&#8220;Typically, most homeowners, and even many businesses who are not required to carry flood insurance do not do so,&#8221; said Tom Larsen, principal, Industry Solutions for CoreLogic.  &#8220;While FEMA flood designations are important and provide an indication of flood risk, flood insurance may still be recommended for properties on in an SFHA.&#8221;</p>
<p>Lasen added that if property owners in an SFHA area &#8221; don&#8217;t have insurance, which is offered primarily through NFIP and also through private insurers, then they are not covered in any event of flood.&#8221;</p>
<p>Harvey hit as Congress has been focusing on <a href="https://www.carriermanagement.com/news/2017/08/22/170421.htm">overhauling the National Flood Insurance Program</a>, which expires on Sept. 30. Legislation underway in both the House and Senate would renew the NFIP but also bring on reforms such as changes to encourage more private insurance.</p>
<p>The NFIP, which has been experiencing deficits for years, could face increasing red ink because of the unfolding disaster in Houston and surrounding regions.</p>
<p><strong>Source</strong>: CoreLogic</p>
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