By Gabby Walton, Federal Campaigns Coordinator, Chesapeake Climate Action Network
Black History Month is more than remembrance; it is a call to protect and enhance Black futures. Each February, we celebrate the brilliance, resistance, and love that define Black life in America. But honoring that legacy means confronting how the climate crisis, government rollbacks, and a failing disaster-response system are putting Black communities in greater danger. From extreme heat to floods and wildfires, Black neighborhoods are hit the hardest and too often denied the resources they need to recover. If Black History Month is about carrying the torch forward, then reforming our disaster and climate policies is one of the most urgent ways to keep that flame alive. Upholding the visions of the Civil Rights Movement in the era of climate change means confronting the racialized socioeconomic inequities embedded in our disaster-response system. Particularly as the federal government’s fervent opposition to strengthening the Federal Emergency Management Agency (FEMA) leaves communities at risk.
The Unequal Weight of the Climate Crisis
Black Americans face significantly greater risks from climate impacts, and those risks are intensifying. Centuries of discriminatory housing practices, including red-lining, have forced Black families into neighborhoods near highways, refineries, and flood zones. The result is generations living in under-sourced, unhealthy environments, made even more dangerous by climate change. The 2024 National Climate Assessment found localities with a 20% Black population will likely experience a 40% increase in annual financial losses due to flooding by 2050; in comparison, the nationwide average annual loss will increase by 26 percent. These figures don’t include the health impacts of mold, contaminated flood waters, vector-borne diseases, food inaccessibility, and loss of essential medical services. And with the Trump Administration’s recent rescission of the 2009 Endangerment Finding, a landmark environmental protection regulation, the outlook for flood-prone Black communities grows darker still.

FEMA’s Bad Record and the Need for Reform
It’s no secret that FEMA’s track record reflects deep racial and income disparities: a review of 4.8 million aid registrations between 2014 and 2018 found that the poorest renters received 23% less aid than wealthier renters, and the poorest homeowners received half as much aid. Studies show that Black survivors lose an average of $27,000 after disasters, whereas white survivors gain an average of $126,000 in wealth. After Hurricane Katrina, four of the seven ZIP codes facing the costliest flooding were at least 79% black, and these seven ZIP codes received nearly half of the $13 billion in flood claims. In Houston, neighborhoods with greater minority populations that survived Hurricane Harvey were less likely to receive FEMA funding than their whiter counterparts; as a result, minority neighborhoods saw a 40% increase in their bankruptcy rates.
Despite these shortcomings, FEMA remains essential, and communities can’t go without this safety net. In fact, Black communities have the most to lose if the federal government succeeds in its ongoing push to dissolve FEMA. Instead, we must reform FEMA to better respond to today’s climate realities and repair systemic inequities.
Building an Equitable, More Resilient System
One of FEMA’s urgent reforms should be recognizing the harsh economic realities families face. Financial insecurity remains Americans’ top concern, as families struggle with groceries, housing, childcare, and healthcare costs. Six million homeowners, many of them people of color, lack homeowner’s insurance. With the climate crisis compounding these inequities, it’s no wonder that a single extreme weather event can wipe out decades of progress overnight. Congress must introduce and strengthen FEMA programs to prioritize delivering aid to communities with the greatest need, especially renters, low-income communities, disabled individuals, and the elderly.
FEMA should also update flood maps to accurately identify vulnerable communities, ensuring that insurance requirements match real risks. Outdated maps leave millions of homeowners and renters unaware of their actual flood risk and unprotected by insurance. FEMA should also ensure that aid fully restores damaged homes. These changes would reduce displacement and help families avoid deeper financial hardship.

Fixing Insurance and Investing in Prevention
Beyond FEMA, insurance markets need sweeping reform. As climate disasters grow more frequent, insurers are retreating from high-risk areas or raising premiums, leaving families with impossible choices. The National Flood Insurance Program (NFIP), though vital, is burdened by heavy debt and limited reach. Congress should overhaul NFIP to reduce debt, improve financing, and guarantee timely payouts. States should also make requirements for insurance companies to disclose their rate filings to identify and confront the main drivers of rate hikes.
FEMA and lawmakers must also take proactive steps to prevent disasters before they strike. For every $1 of federal investment in infrastructural resiliency, taxpayers save an estimated $6 disaster costs. Programs like the Building Resilient Infrastructure and Communities, the Hazard Mitigation Assistance, and the Flood Mitigation Assistance Programs are extremely popular for the benefits they deliver to communities. Yet in 2025, FEMA either halted or failed to disburse this much-needed funding to communities. FEMA must make every effort to restore these programs and collaborate with states to enhance climate resiliency. Additionally, by updating building codes, states can avoid $1.6 billion in future damages. These are cost-effective changes that prevent the worst damage climate disasters can bring.
A Call to Act Now
This Black History Month, remembering how our ancestors worked tirelessly to promote equal rights, justice, and prosperity should inspire us to take action and to recognize how progress is under threat. As Black History Month calls us to remember where we’ve been, we have to see where we are and envision where we’d like to go. Reforming the nation’s disaster response and preparedness system is not just a moral and social imperative. Remembering the past means fighting for a future where every community has the chance not just to survive, but to thrive. Join CCAN’s state action teams to fight the climate crisis, demand fairer disaster relief, and help build systems that truly protect every community’s future.
About the author: Gabby Walton (she/her/hers) is the Federal Campaigns Coordinator at CCAN. Before joining CCAN, Gabby earned her bachelors degrees in French and Psychology from the University of North Carolina at Chapel Hill. After graduating in 2023, Gabby came to CCAN as the Federal Fellow before taking her current position as a full-time staff member.
In her role, Gabby leads CCAN’s efforts to improve the federal disaster response system. She also advocates for social and economically-just climate policies, and works with other members of CCAN’s Federal Team to create an economy powered by clean energy. In her free time, Gabby enjoys serving D.C.’s diverse communities through several volunteer projects.










