Congress has again reauthorized, not reformed the National Flood Insurance Program in another in a series of short-term extensions that began in September, 2017 when the program expired.

FEMA instituted some reforms of it's own via the agency notice/rulemaking process and will be accepting public comment until June...

A wildfire destroys the trees, plants, bushes and roots that hold soil in place and soak up rain water, which in turn can lead to the kind of damage that occurred in Montecito in the aftermath of the Thomas Fire.  The "Fire-Flood Sequence" is a well-known phenomenon, yet insurance companies will sometimes reject claims for post-wildfire mudflow damage under home/fire policies by citing the standard exclusion for flood damage.  Fortunately, California has good consumer protection...