“The intersection of the lack of insurance options and low-income homeowners/renters’ proximity to areas prone to natural disasters lays out a humanitarian problem: low-income and minority communities are more vulnerable to the risks of natural disasters and they also struggle the most to recover. Recent changes in the property insurance industry exacerbate this problem. The process of recovery and rebuilding is made more challenging as the way in which risk is transferred across parties leaves low-income communities with less options, making it more difficult to return to normal after a disasters and even less likely to have an opportunity to grow their position economically over the longer-term.”