So the first tropical storm of the year has already formed — a bit ahead of what’s typical. Although Tropical Storm Alberto isn’t expected to make landfall, it does seem to portend an early — and possibly longer — hurricane season this year.

Luckily, the Federal government has renewed the National Flood Insurance Program, and all is well.

Not.

In fact, last week the House passed a one-month extension to the NFIP. One month. That’ll keep it in place till the end of June. The Senate is looking to pass something similar, and then discuss a five-year extension. (The House has already passed one of those.)

Since 2008, the NFIP has had 16 of these temporary extensions because Congress can’t get its act together to agree on and pass a long-term extension of the program.

Meanwhile — as private insurers won’t offer flood coverage — would you want to buy a home near the water knowing you’re not covered? And with climate change making storms worse and worse, it’s an problem that’s also going to get worse and worse.

Yes, there are issues with the program, which lost a lot of money when Hurricane Katrina hit. Should it cover homes that were rebuilt after being destroyed once by flood? Should there be a limit to coverage?

But guess what? A lot of programs and policies have issues that need to be resolved. That’s Congress’s job. Work together, represent your constituents, and come up with something. It’s called consensus. And you can do it.

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