Flooding is the most common natural disaster — by far. As more and more towns are devastated by floods, people are facing the tough question of how to rebuild — or even if they can. In this episode, we travel to two towns to discover how one obscure federal policy designed to stop the cycle of flood damage is leading to opposite destinies. Thanks for listening to Sea Change. This episode was reported and hosted by me, Carlyle Calhoun. This episode was edited by Jack Rodolico with editing help from Eve Abrams. Additional help from Halle Parker, Eva Tesfaye, Ryan Vasquez, and Rosemary Westwood. This episode was fact-checked by Garrett Hazelwood. Carlyle Calhoun is the managing producer. Our sound designer is Emily Jankowski, and our theme music is by Jon Batiste. Sea Change is a WWNO and WRKF production. We're a part of the NPR Podcast Network and distributed by PRX. Sea Change is made possible with major support from the Gulf Research Program of the National Academy of Sciences, Engineering, and Medicine and The Water Collaborative. WWNO's Coastal Desk is supported by the Walton Family Foundation, the Meraux Foundation and the Greater New Orleans Foundation.