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Category Archives: Housing

Flood Factor – Find your home’s Flood Factor

Flood Factor is a free online tool created by the nonprofit First Street Foundation that makes it easy for Americans to find their property’s risk of flooding and understand how flood risks are changing because of a changing environment. Flood Factor was created to make the most cutting edge flood science. First Street Foundation aims to quantify and communicate America’s flood risk. By making flood risk data freely available for all, individuals and communities can prepare for and mitigate risks before they become a reality. There is a growing need for flood risk data. Flooding is the most expensive, natural disaster in the United States, costing over $1 trillion in inflation adjusted dollars since 1980. Before Flood Factor, many Americans had limited options to find a home’s flood risk, and no way to determine how that risk would change over the duration of their home ownership. Finding a home’s flood history could be difficult, as flood disclosure laws vary by state, and individual flood insurance claims are protected by privacy laws. Flood risk was largely defined by the Federal Emergency Management Agency (FEMA) flood maps, which are used to define mortgage risks, set insurance rates, and establish building and land use regulations. FEMA flood maps identify over 1.1 million miles of flood hazard areas, and while the maps can provide detailed information for homeowners on their flood risks, they are not available everywhere. Flood Factor’s national flood model shows that flood risk is more widespread in the United States, with over 25 million properties at risk over the next 30 years. Flood Factor also includes flood risk from urban stormwater flooding, storm surge and future conditions like sea level rise…”

Know Your COVID Mortgage Forbearance Rights

Lifehacker: “A new CFPB report says that some mortgage lenders have failed to follow the law on mortgage forbearance during COVID. Lenders have misled borrowers about their rights, imposed unauthorized penalties, and wrongfully evicted tenants. Here’s what you need to know, and how to report an unscrupulous lender. Know your rights as a borrower  –… Continue Reading

Who Joe Biden picked to fill his Cabinet

Washington Post – “President-elect Joe Biden has made his selections for his incoming Cabinet and top White House positions. Cabinet positions — with the exception of the vice president and White House chief of staff — will require Senate approval, which may face significant delays. Biden promised to be “a president for all Americans” and… Continue Reading

Expiring Eviction Moratoriums and COVID-19 Incidence and Mortality

Leifheit, Kathryn M. and Linton, Sabriya L. and Raifman, Julia and Schwartz, Gabriel and Benfer, Emily and Zimmerman, Frederick J and Pollack, Craig, Expiring Eviction Moratoriums and COVID-19 Incidence and Mortality (November 30, 2020). Available at SSRN: https://ssrn.com/abstract=3739576 or http://dx.doi.org/10.2139/ssrn.3739576 – “Background: The COVID-19 pandemic and associated economic crisis has rendered millions of U.S. households… Continue Reading

FEMA Releases National Risk Index: New Online Data Shows Natural Hazards Risks for Communities

“The National Risk Index (The Index) is an online tool to help illustrate the nation’s communities most at risk of natural hazards. It is made possible through a collaboration between FEMA and dozens of partners in academia; local, state and federal government; and private industry.  The Index leverages best available source data to provide a… Continue Reading

Tactical Urbanism: Reimagining Our Cities post-Covid-19

Foster + Partner – Bruno Moser, Theo Malzieu, Paula Petkova. May 2020: “The Covid-19 pandemic has transformed the way we live our lives. Significant and long-lasting repercussions will be felt across society and industry, many of which are sure to influence the way we approach the design of our buildings and cities. Over the past… Continue Reading

The covid-19 recession is the most unequal in modern U.S. history

Washington Post article and charts – “Job losses from the pandemic overwhelmingly affected low-wage, minority workers most. Seven months into the recovery, Black women, Black men and mothers of school-age children are taking the longest time to regain their employment.” In the wake of widespread closings of schools and day-care centers, mothers are struggling to… Continue Reading

COVID-19: Financial Relief and Assistance Resources for Renters

CRS Insight via LC – COVID-19: Financial Relief and Assistance Resources for Renters, September 10, 2020: “This Insight highlights resources from selected federal agencies and other organizations that may aid renters at risk of eviction due to circumstances related to the Coronavirus Disease 2019 (COVID-19)pandemic. These resourcesprovide information on COVID-19 related renter protections and resources… Continue Reading

A majority of young adults in the U.S. live with their parents for the first time since the Great Depression

“The coronavirus outbreak has pushed millions of Americans, especially young adults, to move in with family members. The share of 18- to 29-year-olds living with their parents has become a majority since U.S. coronavirus cases began spreading early this year, surpassing the previous peak during the Great Depression era. In July, 52% of young adults… Continue Reading

Pete Recommends – Weekly highlights on cyber security issues, September 6, 2020

Via LLRX – Pete Recommends – Weekly highlights on cyber security issues, September 6, 2020 – Privacy and security issues impact every aspect of our lives – home, work, travel, education, health and medical records – to name but a few. On a weekly basis Pete Weiss highlights articles and information that focus on the increasingly… Continue Reading

It’s not just cars that make pollution. It’s the roads they drive on, too

Science: “…The researchers estimated the annual emissions from new paving and roofing in parts of Southern California. They calculate that molecules released from asphalt could lead to between 1000 and 2500 tons of particulate air pollution—compared with just 900 to 1400 tons from gasoline and diesel vehicles. (Both sources pale in comparison to volatile chemical… Continue Reading

How to Guide to Consumer Complaints by Product Type

USA.gov: Learn how to submit a complaint about problems with specific products and services. Banks and Lender Complaints – Learn how to complain about a problem with a bank or a lending company, such as a mortgage provider. Car Complaints – Find out what to do when you want to complain about a defective car.… Continue Reading