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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 30, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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	                                    <div style='position:absolute;left:-10580px;width:1130px;'>Quer um cassino que tenha de tudo? A diversão começa na <a href="https://fcamazonia.com/">Funbet casino</a>.</div><div id="tdi_61" class="tdc-zone"><div class="tdc_zone tdi_62  wpb_row td-pb-row"  >
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<p>            Kevin Dietsch/Getty Images
        </p>
</p></div>
<div>
<div id="block_762066e0166af7ac4a26812f234eb7fd" class="key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
    <!-- htmlmin:ignore --></p>
<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4" id="key-takeaways" data-position="0" data-beam-element-viewed="" data-id="br-h2-0-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Key takeaways" data-outcome="">
    <span class="shrink-0">Conclusiones esencia</span><br />
        <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block"></span><br />
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<ul class="flex flex-col text-gray-700 mb-0 gap-2 list-disc">
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            El Software Franquista de Seguro contra Inundaciones (NFIP) no puede emitir nuevas pólizas de seguro contra inundaciones durante un cerradura del gobierno.
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Las pólizas NFIP existentes siguen siendo válidas si se emiten ayer del 30 de septiembre de 2025 y se pagan adentro del período de salero de 30 días.
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Los cambios de política, cancelaciones y respaldos se suspenden hasta que se reanude la financiación federal.
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            El seguro privado contra inundaciones permanece en pleno funcionamiento y, cuando esté apto, puede ofrecer continuidad cuando el NFIP haga una pausa.
                                                </li>
</ul>
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<p>Más de 4,7 millones de propietarios dependen del Software Franquista de Seguro contra Inundaciones (NFIP) para su protección financiera contra las inundaciones, que cubre aproximadamente 1,3 billones de dólares en valencia de propiedad. Pero cuando el gobierno cierra, ¿qué pasa con esta cobertura? Con un promedio de poco menos de 400,000 pólizas del NFIP que potencialmente se renuevan cada mes, y con un mes de temporada de huracanes por delante, los propietarios de viviendas afectados pueden ver retrasadas sus renovaciones o su capacidad para cambiar o anular sus pólizas en pausa.</p>
<p>El aventura no se limita a los actuales asegurados del NFIP. Los compradores de viviendas que cierran viviendas en áreas propensas a inundaciones podrían ver estancarse sus acuerdos si los prestamistas no pueden confirmar el seguro contra inundaciones activo, un requisito global ayer de finalizar las ventas. Con 20 déficits de financiación desde la división de 1970, la fragilidad del NFIP es un aventura que todo propietario debería tener en cuenta. </p>
<h2 id="nfip-freeze" data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The NFIP freeze: What stops and what stays" data-outcome="">La congelación del NFIP: qué se detiene y qué se queda</h2>
<p>El NFIP opera bajo la Agencia Federal para el Manejo de Emergencias (FEMA) y depende de la autoridad financiera del Congreso. Durante un cerradura, el software pierde el poder de emitir nuevas políticas o procesar cambios. </p>
<p>Esto es lo que suele suceder:</p>
<ul class="wp-block-list">
<li>No se pueden emitir nuevas pólizas del NFIP.</li>
<li>Las renovaciones y los cambios de políticas están congelados hasta que finalice el cerradura.</li>
<li>Las pólizas emitidas anteriormente (incluso aquellas con fechas de vigencia posteriores al 1 de octubre de 2025) siguen siendo válidas si la prima se paga a tiempo. </li>
<li>Los cierres de viviendas en zonas inundables pueden estancarse porque la mayoría de los prestamistas exigen prueba de seguro contra inundaciones activo.</li>
<li>La autoridad de endeudamiento del NFIP se reduce de 30.425 millones de dólares a 1.000 millones de dólares.<strong> </strong>
</li>
</ul>
<p>Aunque el gobierno federal respalda las políticas del NFIP, las compañías privadas de seguros de hogar se encargan del servicio. Las renovaciones generalmente salen entre 45 y 60 días ayer de la término de vigencia de la póliza, por lo que los propietarios con renovaciones de octubre o noviembre probablemente ya hayan recibido sus pólizas contra inundaciones actualizadas (algunas con cobertura a partir del 30 de noviembre). <strong>adentro del período de salero de 30 días</strong>esas políticas se renovarán como de costumbre. </p>
<p>Pero para cualquiera que intente comprar una nueva póliza o realizar cambios en una existente, el sistema está en suspenso hasta que el gobierno reabra.</p>
<h2 id="housing-market" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Shutdowns ripple through the housing market" data-outcome="">Los cierres se extienden por el mercado inmobiliario</h2>
<p>El cerradura de 2018-2019 duró 35 días (el más extenso de la historia) e interrumpió miles de transacciones de viviendas que dependen de la cobertura del NFIP. Cierres aún más breves, como el plazo de 16 días en 2013, retrasaron los cierres y dejaron a los compradores de zonas inundadas en el orla. </p>
<p>En una carta a los legisladores, grupos industriales advirtieron al Congreso que la equivocación del NFIP podría amenazar “1.300 ventas de propiedades cada día”.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body border-l-4 border-blue-800">
<div class="content-wrapper">
<p>                    La opinión de Bankrate
                </p>
<div class="content wysiwyg wysiwyg--flush">
<p>La Corporación Federal de Seguro de Depósitos (FDIC) ha renunciado temporalmente al requisito de seguro contra inundaciones para las ventas de viviendas nuevas durante el cerradura del gobierno, aunque el requisito se reanuda una vez que se reabren las operaciones federales. Sin incautación, una exención no detiene las inundaciones: sólo elimina la protección. Si llega una tormenta ayer de que comience la cobertura, los propietarios son responsables de todos los costos de reparación.</p>
<p>Este aventura adicional no es poco que muchos prestamistas estén dispuestos a responsabilizarse, lo que puede dejar a los posibles propietarios estancados a pesar de la exención.</p>
<p>&#8220;Los préstamos conformes, aquellos que cumplen con los requisitos establecidos por la Agencia Federal de Financiamiento de la Vivienda (FHFA), son comprados por las empresas patrocinadas por el gobierno Fannie Mae y Freddie Mac y se venden en el mercado hipotecario secundario&#8221;, dice Andrew Dehan, avezado en hipotecas de Bankrate. &#8220;Uno de sus requisitos es que las casas en áreas propensas a inundaciones tengan seguro contra inundaciones. Si el seguro contra inundaciones no está apto o tiene un costo prohibitivo, es probable que los prestamistas no aprueben estas hipotecas. Esto es especialmente un problema ya que los préstamos conformes son las hipotecas más comunes disponibles&#8221;.</p>
</p></div>
</p></div>
</p></div>
</section>
<p>Estos enfrentamientos financieros resaltan un aventura esencia: cuando los programas federales dependen de las asignaciones, cualquier retraso en Washington puede afectar sus finanzas internas. </p>
<h2 id="private-insurance" data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Can private flood insurance fill the NFIP gap? " data-outcome="">¿Puede el seguro privado contra inundaciones cubrir la brecha del NFIP? </h2>
<p>El seguro privado contra inundaciones ha comenzado a causar sensación en la industria de seguros y puede ser una alternativa valiosa para algunos propietarios. Entre 2020 y 2024, el número de pólizas privadas contra inundaciones se duplicó con creces, pasando de aproximadamente 277 000 a 569 000 pólizas. </p>
<p>Aún así, sólo rodeando del 4 por ciento de los propietarios de viviendas tienen algún seguro contra inundaciones. Esto se debe en parte a la disponibilidad y el costo limitados. </p>
<p>Históricamente, se sabía que el seguro privado contra inundaciones tenía un costo prohibitivo, pero Sean Harper, director ejecutor y fundador de Kin Insurance, dice que eso está cambiando. &#8220;En las zonas de pequeño aventura, las inundaciones privadas suelen ser más baratas, y la mayoría de las pérdidas en sinceridad les ocurren a personas que se encuentran fuera de las zonas de inundación cartografiadas&#8221;, afirma.</p>
<p>El seguro privado contra inundaciones no se ve afectado por el cerradura y, a menudo, puede emitirse con poco o ningún período de salero en las áreas donde esté apto. Algunos operadores que vale la pena considerar incluyen:</p>
<p>Sin incautación, la disponibilidad y la asequibilidad son dos cosas diferentes. Si su casa está en o cerca de un Ámbito Singular de Peligro de Inundación (SFHA), la cobertura privada puede no estar apto o ser más costosa que una póliza NFIP.</p>
<p>Según datos de FEMA de julio de 2025, el costo promedio doméstico de una póliza NFIP es de $926, pero las tarifas varían ampliamente. En Belair, Florida, por ejemplo, la prima media del NFIP es de $3,437, mucho más entrada que la media estatal de $894.</p>
<h2 id="homeowners" data-position="4" data-beam-element-viewed="" data-id="br-h2-4-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="What homeowners should do now" data-outcome="">Qué deberían hacer los propietarios ahora</h2>
<p>Si tiene una política NFIP, aquí le mostramos cómo sustentar estable su protección durante un cerradura:</p>
<ol class="wp-block-list">
<li>
<strong>Consulta las fechas de radiodifusión y cuota de tu póliza.</strong> Si su renovación del NFIP se emitió ayer del cerradura, pague ayer de la término de vencimiento para sustentar su cobertura. </li>
<li>
<strong>Evite hacer cambios por ahora</strong>. Endosos y cancelaciones no se están procesando en este momento. </li>
<li>
<strong>conservar la documentación</strong>. Guarde su aviso de renovación, comprobante de cuota y cualquier confirmación por correo electrónico. </li>
<li>
<strong>Manténgase actualizado sobre los anuncios de FEMA</strong>. El NFIP normalmente reanuda sus operaciones inmediatamente una vez que el Congreso aprueba un presupuesto. </li>
<li>
<strong>Consulte a un profesional de seguros.</strong>. Un agente que comprenda entreambos mercados puede ayudarle a encontrar una cobertura que se ajuste a su zona de aventura, pero tenga en cuenta que es posible que no se ajuste a su presupuesto. </li>
</ol>
<p>Un mensaje de First Street de julio de 2025 muestra que 13 millones de propiedades de suspensión aventura tienen seguro insuficiente o no tienen seguro, incluidos 10 millones fuera del dominio singular de aventura de inundaciones de FEMA. Incluso si su prestamista no requiere cobertura, obtener una póliza puede ayudar a proteger su inversión contra futuros daños por inundaciones. </p>
<p>Según Harper, incluso el simple hecho de obtener una cotización para la cobertura contra inundaciones es un paso en la dirección correcta.</p>
<div class="BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0">
<blockquote class="BlockQuote-text text-center md:text-left"><p>
        <q>&#8220;Es posible que descubra que su casa no es tan riesgosa y que puede asegurarla a bajo costo contra consecuencias improbables pero graves. O puede que descubra que es más riesgosa de lo que pensaba. Si la cotización es, digamos, $3,000 al año, esencialmente está decidiendo si autoasegurará ese aventura. Al menos está informado. Los precios en sí contienen información sobre el aventura; use esa señal para tomar una audacia consciente&#8221;.</q><br />
                    <cite class="PullQuote-cite text-gray-900 ml-0 md:ml-4"></p>
<p>                — Sean Harper, director ejecutor y fundador de Kin Insurance<br />
            </cite>
            </p></blockquote>
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<h2 data-position="5" data-beam-element-viewed="" data-id="br-h2-5-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Bottom line" data-outcome="">En pocas palabras</h2>
<p>El cerradura del gobierno puede ser temporal, pero la exposición a las inundaciones no lo es. Conocer las fechas de su cobertura, sufragar a tiempo y explorar opciones privadas puede ayudarle a sustentar su hogar y sus finanzas protegidos, incluso cuando Washington no esté despejado al sabido.</p>
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<!-- sc5a72ec-3dd082 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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