Anyone who has been through a flood or hurricane knows the scene: waterlogged furniture piled on curbs, gutted homes with mold creeping up the walls, families displaced for months. But the recovery isn’t the same for everyone. While federal flood insurance subsidizes risky coastal and waterfront development for wealthier homeowners by lowering the cost of living in these areas, many low-income households in flood-prone areas remain stuck with risky properties and little help. As a disaster recov