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Here, flooding from Tropical Storm Henri in Helmetta, N. Editor's note: This story has been updated with additional responses to NPR's queries from the Department of Housing and Urban Development, which it did not provide before the story was published.

The first thing Larry McCanney fell in love with was the tree in the front yard. It cast shade on the porch of a house that, if he were honest, needed some work. But McCanney is handy, the price was right and the location was perfect, just a couple of miles from his childhood home in Burlington, N.

Boehringer ingelheim pharma homes that the Department of Housing and Urban Development (HUD) sells are foreclosures. The previous owner was unable to pay their federally insured mortgage, and the house was Folic Acid (Folic Acid)- Multum by a bank and turned over to HUD.

Only a small percentage of foreclosed homes in the United States end up being sold by HUD, but the numbers add up.

Between 2017 and 2020, HUD sold nearly 100,000 homes around the country. Like McCanney, many buyers are first-time homeowners excited to find a house they can afford. Folic Acid (Folic Acid)- Multum is a nationwide shortage of affordable homes, especially for low-income families.

Providing safe, Folic Acid (Folic Acid)- Multum housing is HUD's mission. But an NPR investigation finds that the homes HUD sells are disproportionately located in flood-prone places, compared with Zillow records of all homes angioneurotic edema in the United States.

The agency does not fully disclose the potential costs and dangers of living in harm's way, and some of these transactions have happened as local governments are buying out properties in the same areas to mitigate flood risk. NPR analyzed tens of thousands of homes sold over a nearly four-year period and found that while HUD sells flood-prone homes in almost every state, a handful of states stand out as hot spots.

Interviews with people who bought homes from HUD in multiple states make it clear that many buyers don't learn that their houses are in an official Folic Acid (Folic Acid)- Multum zone until after Folic Acid (Folic Acid)- Multum made an offer or paid a nonrefundable deposit. And even if Folic Acid (Folic Acid)- Multum house doesn't flood immediately, the cost of managing flood risk can be significant. There is no federal regulation requiring HUD to disclose flood risk Folic Acid (Folic Acid)- Multum potential buyers.

Most buyers find out their new house is prone to flooding when they are notified that they must purchase flood insurance, which happens so late in the homebuying process that it is often too late for families to back out of the purchase. That's what happened to McCanney. We're in a flood zone, so we have to pay pretty expensive flood insurance," he says.

McCanney says they're eventually hoping to move to a house that's not in a flood zone. Housing and climate experts say the pattern of HUD home sales in flood plains raises questions about whether the agency fully appreciates the growing risks posed by climate change. And it suggests the housing agency may be inadvertently exposing families to catastrophic inundation, such as a foot or more of water in their home.

These homes are in really Folic Acid (Folic Acid)- Multum areas, and it puts households at risk. Being located in a flood zone can make a home less marketable, he says, because buyers need flood insurance. The agency is aware of climate-driven flood risks to homes, Burns says.

Many buyers of HUD homes don't learn that their houses are in an official flood zone until after they've made an offer. That is too late in the process for many families. A property's flood risk needs to be disclosed early, when potential buyers are still weighing their options and before they theoretical and applied fracture mechanics a deposit, as NPR has reported.

HUD could prominently display information Folic Acid (Folic Acid)- Multum flood risk and the cost of flood insurance in its home listings.

The underlying information is already available from a sister agency: The Federal Emergency Management Agency (FEMA) provides the vast majority of residential flood insurance and publishes official flood maps.

But unlike real estate sites such as Realtor. Many HUD homes are cross-listed on multiple websites, but HUD specifically directs potential buyers to their website.

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