Flooding remains one of the most frequent and severe natural disasters in the United States, affecting communities nationwide and causing long-term damage. Despite its widespread impact, a significant portion of flood losses remains uninsured, highlighting the gap between flood risk and financial protection. The 2025 State of Flood Report, published by Torrent Technologies, a subsidiary of Marsh McLennan, examines these issues and emphasizes the need for expanded insurance coverage to enhance community resilience. … (T)he utilization of both (National Flood Insurance Program) and private flood insurance remains low. A Federal Reserve Bank of Philadelphia analysis found that 70% of expected annual flood losses in single-family residences across the US will remain uninsured.