An improved rating would drop the rate of residents' homeowner insurance.

But homeowners insurance only covers “catastrophic ground collapse”—when a sinkhole makes a home uninhabitable.

Four types of housing discrimination are rental discrimination, sales discrimination, lending and mortgage discrimination and homeowners insurance.

Because of the collective effect on the insurance industry of the hurricane claims of 2004, homeowners insurance has risen 40% to 60% and deductibles have risen.