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Home Insurance Increases Threaten Housing Stability in Deep South

This blog specifically looks at homeowners insurance across this Deep South, considering both premium increases as well as policy availability, compared to the rest of the country. The data show that despite having lower incomes and lower property values, the Deep South has some of the highest homeowners’ insurance rates and some of the largest increases in premiums over the last several years.

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Through data-driven member focused research, advocacy, and policy change, HOPE works to dismantle barriers to financial inclusion and create opportunities for families and communities to thrive.

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Publications

From research briefs to blogs, our publications highlight the work, stories, and policy insights that drive economic opportunity in underserved communities.

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Explore press releases, news reports, and quarterly updates highlighting our work with communities across the South.

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Data & Visualization

Dive into interactive tools and visualizations to see the trends and opportunities shaping economic inclusion in the Deep South.

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CDFIs Positioned to Receive Greenhouse Gas Reduction Funds for Underserved Communities in Emerging Climate Crisis

CDFIs Positioned to Receive Greenhouse Gas Reduction Funds for Underserved Communities in Emerging Climate Crisis

January 12, 2023 | Kiyadh Burt

Community Development Financial Institutions… Community Development Financial Institutions (CDFIs) throughout the nation are building capacity in preparation to address the emerging climate crisis.  A key aspect of this work is preparing to deploy the unprecedented federal Greenhouse Gas Reduction Funds (GGRF).  The GGRF, as… Read More >
HOPE Submits Comments to Advance Fair Lending for Small Businesses

HOPE Submits Comments to Advance Fair Lending for Small Businesses

January 12, 2022 | Kiyadh Burt

Click here to read HOPE’s response to… Click here to read HOPE’s response to the request for the Consumer Financial Protection Bureau’s Public Comments regarding Small Business Lending Data Collection. Read More >
Racial Inequities in the Distribution of Louisiana’s Coronavirus Relief Funds: A Report for Community Leaders

Racial Inequities in the Distribution of Louisiana’s Coronavirus Relief Funds: A Report for Community Leaders

January 13, 2021 | Kiyadh Burt

Calandra Davis, Hope Policy Institute George Barlow, Power Coalition for Equity and Justice Updated April 16, 2021 Read More >
Closing Lending and Resource Gaps among CDFIs is Necessary to Ensure Financial Inclusion for Communities of Color

Closing Lending and Resource Gaps among CDFIs is Necessary to Ensure Financial Inclusion for Communities of Color

January 13, 2021 | Kiyadh Burt

While Community Development Financial Institutions… While Community Development Financial Institutions (CDFIs) are mandated to serve low-income communities, this alone has not been sufficient to ensure CDFI lending reaches into communities of color. This brief documents disparities in CDFI reach into communities of color, as well… Read More >
HOPE’s Strategic Use of New Markets Tax Credits Maximizes Development Impact in Distressed Communities in the Deep South

HOPE’s Strategic Use of New Markets Tax Credits Maximizes Development Impact in Distressed Communities in the Deep South

January 12, 2021 | Kiyadh Burt

The federal New Markets Tax Credit (NMTC) program… The federal New Markets Tax Credit (NMTC) program finances community facilities and businesses which support economic development, job creation and the expansion of essential community services such as quality health care, education, and other services to underserved communities. A program… Read More >
Exploring Innovations in Healthy Fresh Food Access in Rural Communities

Exploring Innovations in Healthy Fresh Food Access in Rural Communities

January 13, 2020 | Kiyadh Burt

Hello world! Read More >
Mississippi’s Small Business Relief: Gaps and Opportunities

Mississippi’s Small Business Relief: Gaps and Opportunities

January 13, 2020 | Kiyadh Burt

As part of its response to the COVID-19, the… As part of its response to the COVID-19, the Mississippi legislature, passed with overwhelming bi-partisan support, a historic relief program to assist small businesses withstand COVID’s economic impact. Despite high-levels of demand from the state’s small businesses, the Mississippi Development… Read More >
Deep South States Provide Over $1.1 Billion in Small Business Relief: Who Benefits, Who is Left Behind?

Deep South States Provide Over $1.1 Billion in Small Business Relief: Who Benefits, Who is Left Behind?

January 13, 2020 | Kiyadh Burt

Since May 2020, five Deep South states have… Since May 2020, five Deep South states have allocated over $1.1 billion towards small business relief. These state programs have the opportunity to serve as a lifeline for small businesses struggling to survive and regroup from the economic consequences of… Read More >
Voices from the MS Back to Business Program

Voices from the MS Back to Business Program

January 13, 2020 | Kiyadh Burt

Small businesses throughout Mississippi are struggling to stay afloat after statewide lockdowns and the loss of revenue caused by COVID-19. In May, the state legislature approved $300 million in CARES Act funding for two small business programs. The Mississippi Department… Read More >
Analyzing the CDFI Asset Gap: Examining Racial Disparities in CDFI Fund Awardees from 2003 to 2017

Analyzing the CDFI Asset Gap: Examining Racial Disparities in CDFI Fund Awardees from 2003 to 2017

January 13, 2020 | Kiyadh Burt

Hope Policy Institute is interested in… Hope Policy Institute is interested in understanding trends in assets and capital held by minority ownership for CDFI Program awardees. Using institutional level reports (ILR) provided by the CDFI Fund, we completed an initial analysis of fiscal years 2014 and… Read More >
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