A crucial program, the National Flood Insurance Program (NFIP), hangs in the balance. The program, managed by FEMA, provides essential flood insurance to millions of property owners. A shutdown would mean FEMA can’t issue new policies, renew existing ones, or process requests to increase coverage. Your mortgage lender requires you to have flood insurance. Sure, you might hunt down a private flood insurance policy, but those often come with a much steeper price tag—sometimes it’s just not doable.