Missouri tornado zones show high uninsured rates; Texas floods spur active insurance outreach. NAIC anticipates FEMA shifting more disaster responsibilities to states.

Pennsylvania faces increasing inland flood risks prompting legislative efforts to improve flood risk disclosures, insurance affordability, and flood mitigation amid rising flood insurance claims and recovery challenges.

St. Louis tornado victims face costly demolition and strict city permit regulations, revealing gaps in insurance coverage and the limits of nonprofit disaster aid in urban recovery.