7:26 Hear NHPR’s Annie Ropeik talk about her reporting on flood insurance and climate change with Morning Edition host Rick Ganley. This story is part of special coverage for Earth Week from NHPR's By Degrees project, the New England News Collaborative and Covering Climate Now, a global journalism collaboration strengthening coverage of the climate story. Click here to see more from around the region. Who has to have federal flood insurance in New England? You’re required to have flood insurance if you have a federally-backed mortgage and you live in a flood hazard zone, as mapped by the Federal Emergency Management Agency. These flood zones are found on and off the coast, in tidal areas, river floodplains and more.