As a potential government shutdown looms, the housing market faces fresh risks, exacerbated by an impending expiration of the National Flood Insurance Program. Lawmakers are grappling with deadlines, as millions of Americans could face a lapse in their flood insurance coverage, a situation that home builders and the White House warn could lead to widespread disruptions. The impact on real estate transactions is expected to be severe, as buyers may be deterred and mortgage rates may fluctuate. Additionally, the failure of FEMA to adequately manage the flood insurance program raises concerns about future preparedness amidst approaching storms. With Congress facing a critical deadline, the stakes are high for homeowners and the general economy, as the potential financial pressures could disrupt key services for homebuyers nationwide.