Nationally, low-income communities and communities of color are more at risk for pollution related health issues. Black people are 1.5 times more likely to be exposed to particulate matter (bad for health) than White people, and Latinos are 2 times more likely to be exposed to consistent chlorine inhalation, causing more cardiac failure. This is often because polluting facilities are more likely to be located in majority-Black communities and polluters in those communitites generally emit more pollution than factories in majority-White communities. Besides pollution, another issue is flooding. As we have seen in hurricanes like Katrina and Maria, low-income communities have a harder time recovering and do not get adequete funding for rebuilding. More than 50% of households in 100-year floodplains are from low-income areas, yet only a quarter of FEMA insurance policies are from those areas, so fewer people have flood insurance, hindering people's ability to recover. FEMA should make flood insurance more affordable and widely available as flood areas increase.