Properties located within the 100-year flood plain mapped by the Federal Emergency Management Agency are required to enroll in flood insurance. The National Flood Insurance Program insures these at-risk homes, backing over 4.7 million policies with more than $1.3 trillion in coverage. Over $405.5 billion in residential property sit in X-Zones, still at high risk for hurricane-driven flooding, according to Cotality's 2026 hurricane risk report. Unlike a regular El Nino, which raises equatorial sea surface temperatures by up to 1.5 °C, a super El Niño exceeds a 2.0 °C increase, triggering much more severe global weather extremes. Servicers should proactively educate borrowers and provide contact information and resources to prevent early delinquencies after a hurricane, said Mason.