{
  "id": 16650071,
  "title": "Flood insurance before El Niño: 10 points on timing, zones and limits",
  "url": "https://urgent.news/2026/10/26/flood-insurance-before-el-nino-10-points-on-timing-zones-and-limits",
  "topic": "world",
  "section": "World",
  "published": "2026-10-26T19:03:06.000Z",
  "source": {
    "name": "Quartz",
    "slug": "quartz",
    "url": "https://qz.com/flood-insurance-before-el-nino-hits"
  },
  "original_language": "en",
  "account": null,
  "summary": "Flood insurance before El Niño takes planning, from the 30-day NFIP waiting period to flood zones, coverage limits and mudflow rules homeowners and renters should know",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}