<div dir="auto"><div>Passing this along for anyone whomightbe interested. Definitely of interestalong the coast, but, i haveused the First Street mapping to review risks for homes my son was looking at in Madison, Wisconsin. The FEMA changes will affect everyone. </div><div dir="auto"><br></div><div dir="auto">Daniel Fortier, AICP </div><div dir="auto">Retired Planner</div><div dir="auto"><br><div class="gmail_quote gmail_quote_container" dir="auto"><div dir="ltr" class="gmail_attr">---------- Forwarded message ---------<br>From: <strong class="gmail_sendername" dir="auto">First Street</strong> <span dir="auto"><<a href="mailto:info@firststreet.org">info@firststreet.org</a>></span><br>Date: Fri, Jun 27, 2025, 8:17\u202fAM<br>Subject: Webinar | FEMA\u2019s Policy Shift and the Real Estate Opportunity<br>To: <<a href="mailto:daniel.j.fortier@gmail.com">daniel.j.fortier@gmail.com</a>><br></div><br><br><u></u>
<div>
<span class="m_-5801306561666045526mcnPreviewText" style="display:none;font-size:0px;line-height:0px;max-height:0px;max-width:0px;opacity:0;overflow:hidden">From Risk to Return: Learn from industry experts on July 15th.</span>
<div style="display:none;max-height:0px;overflow:hidden">\u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 \u034f \u200c \u2007 </div><div style="display:none"><img src="https://firststreet.us15.list-manage.com/track/open.php?u=70cb4db63fcba6f1af3c06709&id=168618804a&e=ea286f4936" height="1" width="1" style="display:none" alt=""></div>
<center>
<table border="0" cellpadding="0" cellspacing="0" height="100%" width="100%" id="m_-5801306561666045526bodyTable" style="background-color:rgb(255,255,255)">
<tbody><tr>
<td class="m_-5801306561666045526bodyCell" align="center" valign="top">
<table id="m_-5801306561666045526root" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td style="background-color:#ffffff" valign="top" align="center" class="m_-5801306561666045526mceSectionHeader"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="max-width:660px" role="presentation"><tbody><tr><td style="background-color:#ffffff" valign="top"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover" valign="top"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId--11" colspan="12" width="100%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b1"><table width="100%" style="border:0;border-radius:0;border-collapse:separate"><tbody><tr><td style="padding-left:24px;padding-right:24px;padding-top:12px;padding-bottom:12px" class="m_-5801306561666045526mceTextBlockContainer"><div class="m_-5801306561666045526mceText" id="m_-5801306561666045526d1" style="width:100%"><p><a href="https://mailchi.mp/firststreet.org/webinar-fema-defunding-real-estate-implications?e=ea286f4936" target="_blank" rel="noreferrer"><span style="font-size:12px">View this email in your browser</span></a></p></div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody><tbody><tr><td style="background-color:#ffffff" valign="top" align="center" class="m_-5801306561666045526mceSectionBody"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="max-width:660px" role="presentation"><tbody><tr><td style="background-color:#ffffff" valign="top"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover" valign="top"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId--12" colspan="12" width="100%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" align="center" id="m_-5801306561666045526b4"><div></div><a href="https://firststreet.us15.list-manage.com/track/click?u=70cb4db63fcba6f1af3c06709&id=79ef01fffe&e=ea286f4936" style="display:block" target="_blank" rel="noreferrer"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:separate;margin:0;vertical-align:top;max-width:100%;width:100%;height:auto" role="presentation"><tbody><tr><td style="border:0;border-radius:4px;margin:0" valign="top"><img alt="" src="https://mcusercontent.com/70cb4db63fcba6f1af3c06709/images/a0396e6c-13e4-b882-0bce-d6ad0126f5df.jpg" width="660" height="auto" style="display:block;max-width:100%;height:auto;border-radius:4px" class="m_-5801306561666045526mceImage"></td></tr></tbody></table></a><div></div><div>
</div></td></tr><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526gutterContainerId-47"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:separate" role="presentation"><tbody><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b47"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation" id="m_-5801306561666045526section_2bb334554d5feaebde1a843fbdff33bd"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover" valign="top"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId--15" colspan="12" width="100%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" align="center" id="m_-5801306561666045526b-10"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover" valign="top"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId--17" colspan="12" width="100%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" id="m_-5801306561666045526b54"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover;padding-top:0px;padding-bottom:0px" valign="top"><table border="0" cellpadding="0" cellspacing="24" width="100%" style="table-layout:fixed" role="presentation"><colgroup><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"></colgroup><tbody><tr><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId-49" colspan="4" width="33.33333333333333%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:12px;padding-bottom:12px;padding-right:0;padding-left:0" valign="top" align="center" id="m_-5801306561666045526b58"><div></div><a href="https://firststreet.us15.list-manage.com/track/click?u=70cb4db63fcba6f1af3c06709&id=10b9ea0695&e=ea286f4936" style="display:block" target="_blank" rel="noreferrer"><table align="center" border="0" cellpadding="0" cellspacing="0" width="61%" style="border-collapse:separate;margin:0;vertical-align:top;max-width:61%;width:61%;height:auto" role="presentation"><tbody><tr><td style="border:0;border-radius:0;margin:0" valign="top"><img alt="" src="https://mcusercontent.com/70cb4db63fcba6f1af3c06709/images/d4d8ef86-b5ce-2482-c05f-9064d1543e0d.png" width="134.2" height="auto" style="display:block;max-width:100%;height:auto;border-radius:0" class="m_-5801306561666045526mceImage"></td></tr></tbody></table></a><div></div><div>
</div></td></tr><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b57"><table width="100%" style="border:0;border-radius:0;border-collapse:separate"><tbody><tr><td style="padding-left:30px;padding-right:30px;padding-top:0;padding-bottom:12px" class="m_-5801306561666045526mceTextBlockContainer"><div class="m_-5801306561666045526mceText" id="m_-5801306561666045526d57" style="width:100%"><p style="text-align:center"><strong><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">Daniel Kaniewski</span></span></strong></p><p style="line-height:1;text-align:center"><span style="font-size:11px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">Managing Director at Marsh McLennan, formerly at FEMA</span></span></p></div></td></tr></tbody></table></td></tr></tbody></table></td><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId-51" colspan="4" width="33.33333333333333%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:12px;padding-bottom:12px;padding-right:0;padding-left:0" valign="top" align="center" id="m_-5801306561666045526b59"><div></div><table align="center" border="0" cellpadding="0" cellspacing="0" width="62%" style="border-collapse:separate;margin:0;vertical-align:top;max-width:62%;width:62%;height:auto" role="presentation"><tbody><tr><td style="border:0;border-radius:0;margin:0" valign="top"><img alt="" src="https://mcusercontent.com/70cb4db63fcba6f1af3c06709/images/475d955c-fbbd-b25c-1f68-050ba00b96f5.png" width="136.4" height="auto" style="display:block;max-width:100%;height:auto;border-radius:0" class="m_-5801306561666045526mceImage"></td></tr></tbody></table><div></div><div>
</div></td></tr><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b61"><table width="100%" style="border:0;border-radius:0;border-collapse:separate"><tbody><tr><td style="padding-left:24px;padding-right:24px;padding-top:0;padding-bottom:12px" class="m_-5801306561666045526mceTextBlockContainer"><div class="m_-5801306561666045526mceText" id="m_-5801306561666045526d61" style="width:100%"><p style="text-align:center"><strong><span style="font-size:13px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">Jeffery J. Weaver</span></span></strong></p><p style="line-height:1;text-align:center"><span style="font-size:11px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">EVP at KeyBank and former Board Chair of IACPM</span></span></p></div></td></tr></tbody></table></td></tr></tbody></table></td><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId-53" colspan="4" width="33.33333333333333%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:12px;padding-bottom:12px;padding-right:0;padding-left:0" valign="top" align="center" id="m_-5801306561666045526b60"><div></div><a href="https://firststreet.us15.list-manage.com/track/click?u=70cb4db63fcba6f1af3c06709&id=cb07cbeb5f&e=ea286f4936" style="display:block" target="_blank" rel="noreferrer"><table align="center" border="0" cellpadding="0" cellspacing="0" width="63%" style="border-collapse:separate;margin:0;vertical-align:top;max-width:63%;width:63%;height:auto" role="presentation"><tbody><tr><td style="border:0;border-radius:0;margin:0" valign="top"><img alt="" src="https://mcusercontent.com/70cb4db63fcba6f1af3c06709/images/e42aa8c7-6bfb-d117-7451-25e67cb026ea.png" width="138.6" height="auto" style="display:block;max-width:100%;height:auto;border-radius:0" class="m_-5801306561666045526mceImage"></td></tr></tbody></table></a><div></div><div>
</div></td></tr><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b62"><table width="100%" style="border:0;border-radius:0;border-collapse:separate"><tbody><tr><td style="padding-left:24px;padding-right:24px;padding-top:0;padding-bottom:12px" class="m_-5801306561666045526mceTextBlockContainer"><div class="m_-5801306561666045526mceText" id="m_-5801306561666045526d62" style="width:100%"><p style="text-align:center"><strong><span style="font-size:13px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">Dr. Jeremy Porter</span></span></strong></p><p style="line-height:1;text-align:center"><span style="font-size:11px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">Head of Climate Implications at First Street</span></span></p></div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td style="background-color:transparent;padding-top:20px;padding-bottom:20px;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b64"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="background-color:transparent;width:100%" role="presentation" class="m_-5801306561666045526mceDividerContainer"><tbody><tr><td style="min-width:100%;border-top-width:2px;border-top-style:solid;border-top-color:#d0d0d0;line-height:0;font-size:0" valign="top" class="m_-5801306561666045526mceDividerBlock"> </td></tr></tbody></table></td></tr><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b5"><table width="100%" style="border:0;border-radius:0;border-collapse:separate"><tbody><tr><td style="padding-left:24px;padding-right:24px;padding-top:10px;padding-bottom:20px" class="m_-5801306561666045526mceTextBlockContainer"><div class="m_-5801306561666045526mceText" id="m_-5801306561666045526d5" style="width:100%"><p><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">The current administration has proposed eliminating FEMA disaster recovery funding for states \u2014 an unprecedented policy shift that would transfer the financial burden of climate-related disasters onto property owners, investors, lenders, and local governments. If enacted, it would mark a fundamental realignment in how disaster risk is managed and financed in the United States.</span></span></p><p><br></p><p><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">Join First Street and a panel of industry experts for a timely discussion on how this policy could reshape the future of real estate, insurance and financial markets. </span></span></p><p><br></p><p><strong><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">Key Topics We\u2019ll Cover:</span></span></strong></p><ul><li><p><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">What the proposed elimination of FEMA disaster funding means for markets</span></span></p></li><li><p><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">How a reduced federal role shifts risk to banks, investors, and local governments</span></span></p></li><li><p><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">The ripple effects on the NFIP and the private insurance landscape</span></span></p></li><li><p><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">Which regions and asset classes are most vulnerable</span></span></p></li><li><p><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">How institutions are leveraging property-level climate risk data to quantify and mitigate exposure</span></span></p></li></ul><p><br></p><p><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">Whether you're in investment, lending, risk management, or public policy, this session will provide essential insights into how shifting federal support is reshaping the future of real estate finance.</span></span></p></div></td></tr></tbody></table></td></tr><tr><td style="background-color:#ffffff;padding-top:20px;padding-bottom:10px;padding-right:16px;padding-left:16px" valign="top" align="center" id="m_-5801306561666045526b6"><div></div><table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" class="m_-5801306561666045526mceButtonContainer"><tbody><tr class="m_-5801306561666045526mceStandardButton"><td style="background-color:#f2efe6;border-radius:0;text-align:center" valign="top" class="m_-5801306561666045526mceButton"><a href="https://firststreet.us15.list-manage.com/track/click?u=70cb4db63fcba6f1af3c06709&id=357e88a311&e=ea286f4936" class="m_-5801306561666045526mceButtonLink" style="background-color:#f2efe6;border-radius:0;border:1px solid #f2efe6;color:#000000;display:block;font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif;font-size:16px;font-weight:bold;font-style:normal;padding:12px 28px;text-decoration:none;text-align:center;direction:ltr;letter-spacing:0px" rel="noreferrer noreferrer" target="_blank">REGISTER NOW</a></td></tr></tbody></table><div></div><table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" class="m_-5801306561666045526mceButtonContainer"><tbody><tr>
</tr></tbody></table></td></tr><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b7"><table width="100%" style="border:0;border-radius:0;border-collapse:separate"><tbody><tr><td style="padding-left:24px;padding-right:24px;padding-top:5px;padding-bottom:5px" class="m_-5801306561666045526mceTextBlockContainer"><div class="m_-5801306561666045526mceText" id="m_-5801306561666045526d7" style="width:100%"><p style="text-align:center"><span style="font-size:11px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">All registrants will be sent a recording of the webinar. </span></span></p></div></td></tr></tbody></table></td></tr><tr><td style="background-color:transparent;padding-top:20px;padding-bottom:20px;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b63"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="background-color:transparent;width:100%" role="presentation" class="m_-5801306561666045526mceDividerContainer"><tbody><tr><td style="min-width:100%;border-top-width:2px;border-top-style:solid;border-top-color:#d0d0d0;line-height:0;font-size:0" valign="top" class="m_-5801306561666045526mceDividerBlock"> </td></tr></tbody></table></td></tr><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b35"><table width="100%" style="border:0;border-radius:0;border-collapse:separate"><tbody><tr><td style="padding-left:24px;padding-right:24px;padding-top:12px;padding-bottom:12px" class="m_-5801306561666045526mceTextBlockContainer"><div class="m_-5801306561666045526mceText" id="m_-5801306561666045526d35" style="width:100%"><p><strong>More from First Street </strong></p><p><span style="font-size:14px"><span style="font-family:'Roboto','Helvetica Neue',Helvetica,Arial,sans-serif">First Street research is transparent, peer reviewed, and proven against real environmental events. </span></span></p></div></td></tr></tbody></table></td></tr><tr><td valign="top" id="m_-5801306561666045526gutterContainerId-36"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:separate" role="presentation"><tbody><tr><td style="padding-top:12px;padding-bottom:12px;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b36"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation" id="m_-5801306561666045526section_32b6a60bbafaa23ff6ee9938ac628a91"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover" valign="top"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId--14" colspan="12" width="100%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" align="center" id="m_-5801306561666045526b-8"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover" valign="top"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId--16" colspan="12" width="100%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" id="m_-5801306561666045526b43"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover;padding-top:0px;padding-bottom:0px" valign="top"><table border="0" cellpadding="0" cellspacing="24" width="100%" style="table-layout:fixed" role="presentation"><colgroup><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"><col span="1" width="8.333333333333332%"></colgroup><tbody><tr><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId-38" colspan="4" width="33.33333333333333%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:12px;padding-bottom:12px;padding-right:0;padding-left:0" valign="top" align="center" id="m_-5801306561666045526b44"><div></div><a href="https://firststreet.us15.list-manage.com/track/click?u=70cb4db63fcba6f1af3c06709&id=821063ba31&e=ea286f4936" style="display:block" target="_blank" rel="noreferrer"><table align="center" border="0" cellpadding="0" cellspacing="0" width="85%" style="border-collapse:separate;margin:0;vertical-align:top;max-width:85%;width:85%;height:auto" role="presentation"><tbody><tr><td style="border:0;border-radius:0;margin:0" valign="top"><img alt="" src="https://mcusercontent.com/70cb4db63fcba6f1af3c06709/images/7399b996-2a2b-0e04-8640-75d2e51ee011.png" width="187" height="auto" style="display:block;max-width:100%;height:auto;border-radius:0" class="m_-5801306561666045526mceImage"></td></tr></tbody></table></a><div></div><div>
</div></td></tr></tbody></table></td><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId-40" colspan="4" width="33.33333333333333%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:12px;padding-bottom:12px;padding-right:0;padding-left:0" valign="top" align="center" id="m_-5801306561666045526b45"><div></div><a href="https://firststreet.us15.list-manage.com/track/click?u=70cb4db63fcba6f1af3c06709&id=2d59527b96&e=ea286f4936" style="display:block" target="_blank" rel="noreferrer"><table align="center" border="0" cellpadding="0" cellspacing="0" width="85%" style="border-collapse:separate;margin:0;vertical-align:top;max-width:85%;width:85%;height:auto" role="presentation"><tbody><tr><td style="border:0;border-radius:0;margin:0" valign="top"><img alt="" src="https://mcusercontent.com/70cb4db63fcba6f1af3c06709/images/754e6867-1f20-01be-9d53-12bd743e5a2d.png" width="187" height="auto" style="display:block;max-width:100%;height:auto;border-radius:0" class="m_-5801306561666045526mceImage"></td></tr></tbody></table></a><div></div><div>
</div></td></tr></tbody></table></td><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId-42" colspan="4" width="33.33333333333333%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:12px;padding-bottom:12px;padding-right:0;padding-left:0" valign="top" align="center" id="m_-5801306561666045526b46"><div></div><a href="https://firststreet.us15.list-manage.com/track/click?u=70cb4db63fcba6f1af3c06709&id=42d6bb2cc3&e=ea286f4936" style="display:block" target="_blank" rel="noreferrer"><table align="center" border="0" cellpadding="0" cellspacing="0" width="85%" style="border-collapse:separate;margin:0;vertical-align:top;max-width:85%;width:85%;height:auto" role="presentation"><tbody><tr><td style="border:0;border-radius:0;margin:0" valign="top"><img alt="" src="https://mcusercontent.com/70cb4db63fcba6f1af3c06709/images/c209341f-f9b4-badf-101c-b0f198ef4834.png" width="187" height="auto" style="display:block;max-width:100%;height:auto;border-radius:0" class="m_-5801306561666045526mceImage"></td></tr></tbody></table></a><div></div><div>
</div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td style="background-color:transparent" valign="top" id="m_-5801306561666045526b8"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" height="20"></td></tr></tbody></table></td></tr><tr><td style="background-color:transparent;padding-top:24px;padding-bottom:24px;padding-right:0;padding-left:0" valign="top" id="m_-5801306561666045526b21"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-color:transparent;background-position:center;background-repeat:no-repeat;background-size:cover;padding-top:0px;padding-bottom:0px" valign="top"><table border="0" cellpadding="0" cellspacing="24" width="100%" role="presentation"><tbody><tr><td valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId--6" colspan="12" width="100%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" id="m_-5801306561666045526b-5"><table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation"><tbody><tr><td valign="middle" align="center"><table align="left" border="0" cellpadding="0" cellspacing="0" style="display:inline;float:left" role="presentation"><tbody><tr><td style="padding-top:3px;padding-bottom:3px;padding-left:12px;padding-right:12px" valign="top" class="m_-5801306561666045526mceSocialFollowIcon" align="center" width="24"><a href="https://firststreet.us15.list-manage.com/track/click?u=70cb4db63fcba6f1af3c06709&id=419bc18cb5&e=ea286f4936" rel="noreferrer noreferrer" target="_blank"><img width="24" height="24" alt="LinkedIn icon" src="https://cdn-images.mailchimp.com/icons/social-block-v3/block-icons-v3/linkedin-icon-gray-40.png"></a></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td style="background-color:transparent;padding-top:20px;padding-bottom:20px;padding-right:48px;padding-left:48px" valign="top" id="m_-5801306561666045526b22"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="background-color:transparent;width:100%" role="presentation" class="m_-5801306561666045526mceDividerContainer"><tbody><tr><td style="min-width:100%;border-top-width:2px;border-top-style:solid;border-top-color:#d0d0d0;line-height:0;font-size:0" valign="top" class="m_-5801306561666045526mceDividerBlock"> </td></tr></tbody></table></td></tr><tr><td style="background-color:transparent" valign="top" id="m_-5801306561666045526b23"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td valign="top" height="20"></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody><tbody><tr><td style="background-color:#ffffff" valign="top" align="center" class="m_-5801306561666045526mceSectionFooter"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="max-width:660px" role="presentation"><tbody><tr><td style="background-color:#ffffff" valign="top"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover" valign="top"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId--13" colspan="12" width="100%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-color:#ffffff;padding-top:8px;padding-bottom:8px;padding-right:8px;padding-left:8px" valign="top" id="m_-5801306561666045526b29"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation" id="m_-5801306561666045526section_d6b3b2736294a77cafb3d12f90636e63" class="m_-5801306561666045526mceFooterSection"><tbody><tr><td style="background-color:#ffffff;background-position:center;background-repeat:no-repeat;background-size:cover;padding-top:0px;padding-bottom:0px" valign="top"><table border="0" cellpadding="0" cellspacing="12" width="100%" role="presentation"><tbody><tr><td style="padding-top:0;padding-bottom:0" valign="top" class="m_-5801306561666045526mceColumn" id="m_-5801306561666045526mceColumnId--3" colspan="12" width="100%"><table border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="padding-top:0;padding-bottom:0;padding-right:0;padding-left:0" valign="top" align="center" id="m_-5801306561666045526b27"><table width="100%" style="border:0;border-radius:0;border-collapse:separate"><tbody><tr><td style="padding-left:0;padding-right:0;padding-top:0;padding-bottom:0" class="m_-5801306561666045526mceTextBlockContainer"><div class="m_-5801306561666045526mceText" id="m_-5801306561666045526d27" style="display:inline-block;width:100%"><p style="line-height:1"><em><span style="font-size:10px">Copyright (C) 2025 First Street Tech. All rights reserved.</span></em><span style="font-size:10px"><br>
<a href="http://firststreet.org" target="_blank" rel="noreferrer">firststreet.org</a>
<br>Our mailing address is:<br>
First Street Tech
777 3rd Ave
Floor 33
New York, NY 10017
USA
<br>Want to change how you receive these emails?</span></p><p style="line-height:1"><span style="font-size:10px">You can </span><a href="https://firststreet.us15.list-manage.com/profile?u=70cb4db63fcba6f1af3c06709&id=2e3335b90a&e=ea286f4936&c=168618804a" target="_blank" rel="noreferrer"><span style="font-size:10px">update your preferences</span></a><span style="font-size:10px"> or </span><a href="https://firststreet.us15.list-manage.com/unsubscribe?u=70cb4db63fcba6f1af3c06709&id=2e3335b90a&t=b&e=ea286f4936&c=168618804a" target="_blank" rel="noreferrer"><span style="font-size:10px">unsubscribe</span></a></p></div></td></tr></tbody></table></td></tr><tr><td valign="top" align="center" id="m_-5801306561666045526b-2"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation"><tbody><tr><td style="background-position:center;background-repeat:no-repeat;background-size:cover;padding-top:0px;padding-bottom:0px" valign="top"><table border="0" cellpadding="0" cellspacing="24" width="100%" role="presentation"><tbody></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table>
</td>
</tr>
</tbody></table>
</center>
</div></div></div></div>