Flood Risk - RealtyWire

Market Datavs. 1 year ago

30-year mortgage6.55%▼ -0.20 pts15-year mortgage5.93%▲ +0.01 pts10-year Treasury4.55%▲ +0.08 ptsMortgage spread2.00 pts▼ -0.28 ptsMedian list price$430k▼ -2.5%List $/sqft$228▼ -2.1%Days on market53 +0 daysActive listings1.1M▲ +1.9%New listings463k▲ +2.4%Pending sales506k▲ +4.9%Housing starts1.43M▲ +3.5%Building permits1.37M▼ -2.3%New-home sales580k▼ -6.8%Existing-home sales4.09M▲ +2.8%Months of supply10.3▲ +0.6 moMortgage delinquency1.89%▲ +0.12 pts

as of Jul 2026

Flood Insurance vs. Homeowners Insurance: The Difference Buyers Must Understand

July 16, 2026July 7, 2026

Flood insurance versus homeowners insurance concept with house, waterline, and coverage folders.

Standard homeowners insurance usually excludes flood damage. What separate flood coverage does — and who actually needs it.

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