Federal flood insurance carries 2 moral hazards – which you face depends largely on how wealthy you are

The high costs of climate risk

Ivis García, Texas A&M University

Anyone who has been through a flood or hurricane knows the scene: waterlogged furniture piled on curbs, gutted homes with mold creeping up the walls, families displaced for months. But the recovery isn’t the same for everyone.

While federal flood insurance subsidizes risky coastal and waterfront development for wealthier homeowners by lowering the cost of living in these areas, many low-income households in flood-prone areas remain stuck with risky properties and little help.

As a disaster recovery researcher, I’ve witnessed how perverse incentives create different cycles of vulnerability across income levels. The problem with federal disaster insurance today isn’t just about subsidizing wealthier coastal homeowners – it’s equally about leaving low-income households systematically underinsured without resources to either protect themselves or leave.

Federal flood insurance’s moral hazards

The National Flood Insurance Program was established by Congress in 1968 to provide affordable flood insurance to the public while encouraging floodplain management.

Communities that participate in the program are required to adopt regulations to reduce flood risk in their areas for their residents to qualify. The insurance policies, around 4.7 million today, are purchased either through the program or insurance companies but administered and underwritten by the Federal Emergency Management Agency, the nation’s disaster response agency. When the policy cost is lower than the risk, the property is being subsidized by the federal program.

The National Flood Insurance Program did succeed in providing accessible insurance for many people, but it also produced a “moral hazard,” where people take on risk without bearing its full consequences. What’s less well understood is that this operates differently by income level.

FEMA is currently working to adjust flood insurance prices to more closely match each property’s actual risk. The program’s Risk Rating 2.0 changes, which began in 2021, aimed to transition policies to full-risk pricing for everyone. The annual premium increases are capped by law at 18% for primary residences, so full-risk pricing won’t be fully reached until around 2037, according to federal estimates.

But there’s another, less visible problem: Federal flood insurance already wasn’t affordable for many people.

In low-income neighborhoods, more than 90% of households are estimated to be underinsured, and their uninsured losses when they experience flooding often exceeds 20% of their annual income.

Many families are unable to afford federal flood insurance premiums – only 37% of all policyholders pay less than $1,000 per year, according to FEMA. Instead, homeowners may skip insurance, gambling that disasters won’t strike. When floods do occur, these households can face catastrophic uninsured losses.

Homeowners and renters may also choose federal flood insurance plans with lower premiums but that provide less coverage in a disaster, and even those plan costs can be high.

Because the federal flood insurance program doesn’t specifically help those who cannot afford premiums, this creates a structural trap: Wealthier homeowners receive government-subsidized insurance support for risky properties, while many lower-income households fall outside the system entirely.

EDITOR'S NOTE: Last year, Cathy and I received two homeowner insurance cancellations because of climate risk. A final carrier agreed to cover us on the condition we also buy federal flood insurance even though we are up on the tip of the moraine north of Route 1. That added an additional $1200 to the high premium charged by the new carrier.  - Will Collette

Charlestown Democrats - Don’t be fooled

There is only ONE Democrat running in the September 9 primary

By Will Collette

Boisclair sign in front of Jim Mageau's house.
Photo by Will Collette

The September 9 Democratic primary is important not just for the three statewide contests to pick candidates for attorney general and lieutenant governor plus the epic match-up pitting Helena Foulkes against hapless incumbent Governor Dan McKee.

Here in Charlestown, September 9 will decide who will represent Charlestown in the Rhode Island House of Representatives. 

It will feature incumbent Rep. Tina Spears, running for a third term versus self-described sex crime lawyer Leah Boisclair who is backed by rich MAGA gun nut Dave Levesque.

Here is her "menu" of sex crimes she is willing to defend from her own website:

Rape, child rape, child pornography, sex trafficking, slavery are all crimes Boisclair will defend

Boisclair is running as a Democrat even though she has no connection to the Democratic Party other than to say she’s a Democrat this year. Her signs are popping up along South County Trail, including in front of the house of Charlestown’s most vocal Trumper Jim Mageau.

Her record is that of running a law practice that takes pride in representing child abusers, rapists, spouse beaters, bad drivers, crooks and cheats. She uses her website to advertise these specialties and to seek more such clients.

Sure, under the Constitution, everyone is entitled to the presumption of innocence and to legal counsel. But LAWYERS choose who they will represent.

Even public defenders have discretion under the Code of Professional Responsibility to decline representation to a client if they are unable to mount a rigorous defense. In fact, the Rhode Island version of the Code expressly acknowledges “[A] lawyer is also guided by personal conscience and the approbation of professional peers.”

Boisclair CHOOSES to represent scumbags. Don’t believe me? READ her own website, as well as the screenshots I have presented taken directly from that site. I was particularly impressed with her graphics in this section on her representation of men accused of crimes against women:

But wait, there's MORE! Here are the other types of crime she will defend:

How is Boisclair different from, for example, a mob lawyer? Or a Trump lawyer? Or a lawyer defending men in Jeffrey Epstein’s circle of friends? Or any other pedo protector? I dunno…you tell me.

I would not want to spend a lot of time in her office's waiting room.

On this alone, I could never support Boisclair. Frankly, why would ANY Charlestown voter want Boisclair to represent then in the General Assembly? I’d rather bring back Flip Filippi, even though he represented the January 6 insurrectionists, the Oath Keepers. But as the saying goes, “but wait, there’s more!”

Boisclair’s main backer, far right MAGA gun nut Dave Levesque, set up 40, count ‘em 40, political action committees under the banner of the “League of Rhode Island Businesses” (LORIB). He has a statewide plus 39 “local” PACs, supposedly for each Rhode Island city and town. Their registrations all look the same, with no local people on any of the PACs and that includes the Charlestown LORIB PAC.

See if you can find any connection to Charlestown in the Charlestown LORIB PAC:

Levesque uses these PACs to get around the state campaign finance law limiting PACs to $2000 in contributions to a single candidate. Since Levesque controls all the LORIB PACs, he simply cuts checks to endorsed candidates from several of his PACs.

Levesque owns the Brewed Awakenings coffee shop chain and is a long-time anti-gun control activist. The gun lobby is also heavily backing his candidates.

Support - LORIB Main PAC

Levesque also takes in anonymous donations. In fact, he has solicited donations by advertising how they can game the system to prevent having their names reported as LORIB donors.

He set Boisclair up with six LORIB checks totaling $10,500 coming from six LORIB PACs. There’s the Charlestown LORIB PAC of course, plus the LORIB PACs purporting to be from Westerly, South Kingstown, North Kingstown, Newport and Block Island.

Levesque also opposes any attempt to tax the rich. He was a big opponent to last year’s “Taylor Swift” tax that imposes a state levy on multi-million properties owned by non-residents. He also unsuccessfully fought this year’s “Millionaire Tax” that imposes a 1% income tax surcharge on millionaires.

His candidates, including Leah Boisclair, toe that line. They should have a generic LORIB bumper sticker reading “Don’t regulate guns. Don’t tax the rich.”

Levesque has targeted nearly every Democratic woman legislator in South County because their progressive stances. He is bankrolling opponents to our state Senator Victoria Gu as well as South Kingstown Dems Teresa Tanzi, Carol McEntee, Alana DiMario, Kathy Fogarty and Bridgette Valverde.

Sen. Alana DiMario and Rep. Kathy Fogarty, both targeted by Levesque, introduced legislation to close what ought to be called the “Levesque Loophole” (2026-S 2720, 2026-H 7450) by extending the $2000 limit to apply to multiple PACs that have the same owner. Unfortunately, that legislation did not pass.

Finally, Boisclair’s land use legal work ought to earn her the opposition of the Charlestown Citizens Alliance (CCA), especially this case that was covered by ecoRI (CLICK HERE). So should Jim Mageau’s support for Boisclair.

Those are the negatives. Let’s look at your positive alternative

Why you should vote for Tina Spears

Here's where I stand. Photo by Will Collette

Tina Spears has served all of Charlestown and the rest of House District 36 with distinction for two terms and seeks your vote for re-election.

Tina points to these achievements from the recently completed General Assembly session:

We were able to make life in our community better by:

·       Fully funding library aid

·       Increasing education funding, especially for special education

·       Securing funding for the Charlestown Breachway rebuild

·       Passing the South Kingstown High School bond

·       Advancing legislation allowing New Shoreham to increase landing fees, manage its water district, and better structure its taxing authority. ​

I am especially proud to have sponsored and passed two bills: 

The Act on Coasts provides Rhode Island with a roadmap to strengthen coastal infrastructure in the face of rising seas. Rather than debating the causes, I am focused on preparing our communities, particularly in District 36, for the changes we are already seeing along our coastline 

The Purple Alert establishes an early alert system when individuals with disabilities go missing, making Rhode Island one of a small number of states to prioritize this vulnerable population. In partnership with advocates, families, and public safety officials, we turned a tragic situation into meaningful action that strengthens our public safety response and saves lives.​

Tina has a long record of community service, while Boisclair has none. Tina often teams up with other legislators such as state Senator Victoria Gu to boost her ability to get bills passed. She meets often with voters in her district. On top of that, she’s a genuinely kind and warm-hearted person.

Vote for Tina Spears in the September 9 Democratic primary. You must be a registered Democrat to vote in this primary.

And Tina DOES NOT protect pedos.

"Just rub some lard on it"

Satire from the Onion.

Understanding the enemy

How often do people pass gas?

There's now an app for that

By Sanjukta Mondal, Medical Xpress

Edited by Sadie Harley, reviewed by Robert Egan

In his case, constantly

Flatulence, or farting, is something people often joke about or find embarrassing when it happens unexpectedly. 

It is, however, an essential bodily function that allows the digestive system to keep pressure within the intestinal tract low and prevents painful stretching of the stomach and intestines. Even though it is normal to fart, it remains unclear what counts as a healthy number.

A study by researchers from the Commonwealth Scientific and Industrial Research Organisation wanted to measure how many times people pass gas in a day. So they designed a mobile phone application, Chart Your Fart, that allowed more than 6,400 Australians to log their farting patterns in real time.

They found that most people, on average, passed gas five times a day, with men doing it more often than women. Flatulence patterns were not the same throughout the day.

They observed a gradual increase that typically peaked between 6 p.m. and 10 p.m., coinciding with the time when people generally consume the most calories and fiber.

The findings are published in JAMA Network Open.

Surprising research reveals why you shouldn't add bananas to your smoothies

You may not get what you want

University of California - Davis

Smoothies are one of the easiest ways to pack more fruit into your day. Toss in a banana, add some berries, blend, and you have what looks like a perfectly healthy drink. But research from the University of California, Davis suggests that this popular combination may have an unexpected downside.

The issue is not that bananas are unhealthy. Instead, it comes down to how certain ingredients interact after they are blended together. In a study published in the Royal Society of Chemistry journal Food & Function, researchers found that fruits with high levels of an enzyme called polyphenol oxidase, or PPO, can sharply reduce the amount of flavanols your body absorbs from a smoothie.

Flavanols are natural plant compounds linked to heart and cognitive health. They are found in foods such as apples, pears, blueberries, blackberries, grapes, cocoa, and other common smoothie ingredients.

For first time, Americans are getting more of their electricity from solar than coal

This is despite Trump's push for more coal use and his war on green energy

Tik Root, Senior Staff Writer

"This story was originally published by Grist. Sign up for Grist's weekly newsletter here."

Solar energy just provided more electricity in the United States than coal for the first time on record — marking a milestone for the rise of renewables in America. 

While gas and nuclear plants still lead the country’s energy mix, solar contributed 12.8 percent of the nation’s electrons in May, according to an analysis of government data by Ember, an energy think tank. Coal, meanwhile, provided just 12.2 percent. Just five years ago, solar was less than half of its current levels and coal was at 20 percent. 

It's Easy To Create Lots of Shitty Jobs

So don't break out the champagne about Friday's jobs report

Robert Reich

Friday’s jobs report — showing that America added 172,000 jobs in May — stimulated a lot of celebratory bullsh*t.

Trump said, “It’s raining jobs!” White House National Economic Council Director Kevin Hassett claimed the job market is "hitting on all cylinders.” The mainstream media called it a “blowout jobs report,” “stronger-than-expected jobs data,” the labor market’s “best three-month stretch in more than two years.”

What all this acclaim left out was that wages are falling relative to prices.

Average hourly earnings for private-sector production and non-supervisory workers — that is, for most employees — rose by only 8 cents (or 0.2 percent) in May. That’s the weakest pace of wage growth since 2021.

Meanwhile, prices are rising quickly — by around 3.8 percent annually. Hence, real wages — that is, their actual purchasing power — are dropping. The paychecks of most American workers aren’t covering rising costs. They’re getting poorer.

Included in the Cross' Mills Library Garden Tour...

 

Dear Arrowhead Patients and Fellow Gardeners,  The Cross’ Mills Public Library will be holding its beloved Gardens by the Sea Tour on Saturday, June 20th, from 10:00 AM to 4:00 PM, rain or shine. This special fundraiser features twelve beautiful local gardens on display, offering inspiration and enjoyment for gardeners of all levels. I am honored to share that my garden is included as one of the featured stops on this year’s tour. It’s a wonderful opportunity to explore unique landscapes, gather ideas, and celebrate the beauty of our local community. Tickets are $30, and all proceeds directly support the Cross’ Mills Public Library and its ongoing programs and services. If you, your family, or friends are interested in attending, tickets can be purchased online through the Cross’ Mills Library website or in person at the library. We hope you can join us for this special event and enjoy a relaxing and inspiring summer day! Thank you, and have a great summer. Click here for Garden Tour Tickets! Thank you and have a great summer, Dr. Bruce Gouin

Arrowhead Dental Associates | 4995 South County Trail | Charlestown, RI 02813 US

What do Charlestown’s Watchaug Pond and the Reflecting Pool in Washington have in common?

Dangerous algae bloom

RIDOH and DEM Recommend Avoiding Contact with Watchaug Pond

This morning in DC, workers poured bottles of peroxide
into the Reflecting Pool just days after the $14 million
repair job ordered by Donald Trump was completed.

The Rhode Island Department of Health (RIDOH) and Rhode Island Department of Environmental Management (DEM) are advising people to avoid contact with Watchaug Pond in Charlestown due to harmful algae blooms (HABs).  Water samples were collected by DEM and tested by RIDOH’s State Health Laboratories.

All recreation, including swimming, fishing, boating and kayaking, is high risk to health and recommended to be avoided at this location. This HAB is caused by blue-green algae, also known as cyanobacteria, which are naturally present in bodies of water. HABs can produce toxins which can be harmful to humans and animals.

Use caution in all areas of Watchaug Pond as HABs can move locations in ponds and lakes. Initial samples collected at Watchaug Pond exceeded the advisory threshold. People should not drink untreated water or eat fish from affected waterbodies. Pet owners should not allow pets to drink or swim in this water. 

This is going to take a LOT off peroxide!

This advisory recommendation remains in effect until further notice. To confirm the water is free from toxins and high cell counts, water samples will be collected to lift the advisory when the bloom has cleared from the affected waterbody.

Skin contact with water containing HABs can cause symptoms such as skin rashes, sore throat and irritation of the eyes and nose. Swallowing water containing HABs can cause stomachache, diarrhea, vomiting and nausea. More serious, but less common health effects associated with swallowing contaminated water may affect the liver and nervous system, cause irregular heartbeat, dizziness, or seizures.

Young children, pets and people with certain underlying health conditions or who are immunocompromised may be at greater risk for illness. Anyone who experiences symptoms after contact with water containing HABs should contact a healthcare provider.

If you or your pet come into contact with an algal bloom (HAB):

• Rinse your skin with clean water right away.
• Shower and wash your clothes when you get home.
• If your pet was exposed, wash it with clean water immediately and don’t let it lick algae from its fur.
• Call a vet if your pet shows signs of illness like tiredness, no eating, vomiting, diarrhea or other symptoms within a day.
• If you feel sick after contact, call a healthcare provider.

Affected waters may exhibit bright to dark green scum along the shoreline, with thick algae floating on the surface. It may resemble green paint, pea soup, or green cottage cheese. If you see water like this, people and pets should avoid contact with the water.

To report suspected blue-green algae blooms, contact DEM’s Office of Water Resources at DEM.OWRCyano@dem.ri.gov  or call 401-222-4700, Press 3, and select Office of Water Resources. If possible, send a photograph of the reported algae bloom. For more information and the Cyanobacteria Tracker Dashboard that lists current advisories and data, visit: www.dem.ri.gov/bluegreen

Trump Bought Tobacco Stocks and Raked In Industry Donations as FDA Eased Standards

Figures Trump would profit from cancer sticks

By Darius Tahir

Donald Trump, who once declared he had “saved” flavored vapes, grew his stock holdings this year to as much as $1.64 million in tobacco giant Philip Morris.

He also had holdings in Altria and a third leading tobacco company, though an apparent discrepancy in his disclosures clouds the extent of his investments. In 2025, tobacco interests donated $6 million to MAGA Inc., a super PAC that supports the president, and Trump’s inauguration. And, on April 30, a week before FDA guidance that provided a critical boost to the industry, Reynolds American dropped an additional $5 million into the super PAC's coffers.

The stock trades and political contributions occurred as the Trump administration pursued a broadly pro-tobacco agenda: Its FDA piloted a fast-track program to approve nicotine pouches. It unveiled a program to allow vapes on the market more rapidly, despite resistance from career civil servants and leadership, culminating this year in guidance waving through flavored electronic cigarettes. It cut public health employees focusing on anti-tobacco policy. And it broadened enforcement against illicit e-cigarettes, competitors to the big industry players with a financial relationship to Trump.

It amounts to the most pro-tobacco, pro-nicotine presidency in some time — a remarkable policy given the tens of millions of deaths cigarettes caused during the 20th century. Even in recent years, anti-smoking groups say a half-million Americans a year die from cigarettes. Industry advocates say the toll helps justify a shift to e-cigarettes and nicotine pouches, which they say are less harmful. However, public health advocates say these products carry their own risks, such as addiction.

Lawmakers and public health leaders have criticized the recent FDA guidance and approvals as a “lucrative payday” that ignored scientific evidence to deliver what investment analysts have described as “very positive” steps for influential tobacco companies.

The scale of the money is “unprecedented and problematic,” said Brian King, who was pushed out of the FDA’s tobacco office last April and now works as an executive at the Campaign for Tobacco-Free Kids. He fears that steering public policy toward tobacco — still addictive and harmful to health — puts Americans at risk.

“It's a gift on a platter with a side of public health malpractice,” he said.

Doctors May Need To Rethink Calcium and Vitamin D Recommendations After Major Review

Might not really help prevent broken bones

By BMJ Group

Calcium and vitamin D supplements, whether taken separately or together, provide little to no meaningful benefit in preventing fractures or falls in most older adults, according to a major review published in The BMJ.

Nearly one in three adults age 65 and older experiences a fall each year. Many of these falls lead to fractures, which can cause pain, lower quality of life, and increase the need for assisted living or residential care. As a result, reducing falls and fractures remains a major public health goal worldwide.

Earlier reviews have also found little evidence that calcium or vitamin D supplements reduce fracture risk, and findings on combined supplementation have been inconsistent. The role of vitamin D in preventing falls has also remained uncertain.

Even so, many doctors, health guidelines, and regulatory agencies continue to recommend vitamin D supplements, with or without calcium, to support bone health. Prescriptions for these supplements have also risen significantly in recent years.

Feds restore home energy rebates, but with a catch

Among other things, heat pumps take a hit

By Dan Gearino

Major new limits on eligibility

This article originally appeared on Inside Climate News, a nonprofit, non-partisan news organization that covers climate, energy and the environment. Sign up for their newsletter here.

Federal energy efficiency rebate programs will no longer cover a switch from fossil fuels to electricity for heating, according to long-awaited guidance from the Department of Energy.

The department published an update on how it will implement consumer programs with $8.8 billion in funding. The new provisions include eliminating use of diversity, equity and inclusion considerations, among other changes.

This follows legal challenges after Donald Trump issued an executive order last year, upon returning to office, canceling the release of funds from President Joe Biden’s Inflation Reduction Act, including rebates for home energy efficiency. A coalition of states successfully sued to restore the funding, obtaining an injunction in March 2025.

States have been waiting for the Department of Energy to reopen funding, a process that begins with this latest publication.

Clean energy and environmental advocates said the guidance was overdue and severely flawed.

The Non-Victory

Compared to where we were before February 28, it's a terrible failure

Robert Reich

Trump again claims victory in Iran. He’s claimed victory before, but now he has a so-called “agreement” with Iran.

That agreement, which appears to be no more than a memo of understanding — that is, a set of principles to which Iran and the United States have agreed — stops the fighting and reopens the Strait of Hormuz but it does not deal with the issue that caused Trump to initiate the conflict: Iran’s nuclear program.

Keep that in mind as you hear various renditions of what’s been decided. Recall that the Strait of Hormuz was open before Trump began bombing Iran. 

At best, the agreement Trump is touting restores the status quo to where it was when he commenced hostilities. Remember also that Iran had agreed to limit its development of nuclear-grade materials in its treaty with the Obama administration, which Trump revoked in 2018.

So what has been accomplished? Iran now is under the control of a more extremist regime than when Trump started this war. 

Oil prices are far higher, and will take some time to return to where they were before it began (if they ever do). 

Meanwhile, Trump has caused the United States to be more dependent on fossil fuels than we were prior to his inauguration for a second time, and the high oil prices brought on by his war has enriched Vladimir Putin’s regime.

The war with Iran has cost the United States an estimated $90 billion, and that’s a conservative estimate. It has caused widespread suffering throughout the Middle East. 

It has put Israel in a more precarious situation than it was before — and much of that is due to Benjamin Netanyahu, who is not a party to, and has not approved, the agreement.

This doesn’t look like a victory. Compared to where the United States and the Middle East were on February 28, when Trump began this war, it’s a terrible failure.

Can't imagine