Every morning, millions of Americans start their day by driving or walking to work, to school or to run errands. As drivers and passengers in a car, you and your family are well-protected whenever you take to the road. This is, in large part, thanks to advances in technology, such as seat belts, airbags, blind spot detectors and rear-view cameras. But, as pedestrians, you and your family are in increasingly more danger whenever you’re on foot, especially if you’re near roadways or parking lots.

In fact, The Governors Highway Safety Association estimates that the number of pedestrians killed in car crashes rose by 10 percent between 2014 and 2015. To help protect your family, it’s important to understand the causes for pedestrian fatalities, like how to prevent distracted driving as well as the safest steps to take as a pedestrian.

Why are pedestrian deaths on the rise? Find out by clicking the button below.

As you near retirement, you may be thinking about moving to a city with warmer winters, or more affordable housing to stretch your retirement income. Maybe you’ve dreamed of living in a scenic region, such as a coastal city or town near mountainous terrain with lots of natural places to explore.

Before you hit the highway toward your dream destination, it’s wise to know as much as possible about a city’s housing market and cost of living. That’s why The Hartford Extra Mile put together this list of affordable places to retire in the United States.

You’ll find a bit of everything on our list, from less-expensive cities in pricey regions to Midwestern cities where you can buy a luxury home for less. We cover cities you may not have heard of, along with a few familiar faces from affordable cities lists.

“Affordable” doesn’t mean the same thing to everyone, of course, so we took that into consideration. Some cities are affordable because the region where they’re located is crazy expensive. Others have managed to keep their cost of living down, despite having many desirable attributes.

Read the list by clicking the button below.

Nationwide, FEMA estimates that only about 4% of properties are insured through the National Flood Insurance Program, which accounts for the vast majority of all flood insurance in the country. Even in areas that are considered high risk for flooding, just one in three properties are insured. With climate change bringing more extreme weather and more flooding, this is becoming an increasingly urgent issue across the country.
“There aren’t really good ways for people to finance their recovery instead of flood insurance, there’s really no substitute for it,” said Carolyn Kousky, executive director of the Wharton Risk Center at the University of Pennsylvania.
“Flooding is the most costly natural disaster in the United States, and a serious flood event can cause thousands, tens of thousands, even more dollars of damage to a home. So when that happens, how do you pay for that and get back on your feet? If you’re a very affluent family, you might have enough savings to just fund the recovery and the rebuilding on your own. But for the vast majority of Americans, that’s not the case.”

Read all about why you should consider getting flood insurance in this article by clicking the button below.