Government Shuts Down, Flood Risk Goes Up: What the NFIP Lapse Means for Homeowners, Buyers, and Lenders
October 3, 2025 — The federal government has shut down and the National Flood Insurance Program (NFIP) has lapsed, pausing new and most renewal flood policies. Existing, in-force policies remain active. The Wall Street Journal+2AP News+2 Key Takeaways What exactly…