FLOOD INSURANCE – The Federal Emergency Management Agency (FEMA) confirmed that the National Flood Insurance Program (NFIP) will not be impacted by a government shutdown, since NFIP is funded by premiums & not tax dollars.  Changes to the flood insurance program scheduled to take effect on Oct. 1 will be implemented as scheduled.  RURAL HOUSING PROGRAMS – For the U.S. Department of Agriculture Programs, essential personnel working during a shutdown do not include field office staff who make the commitment, loan guarantees & modification approvals.  Lenders will NOT receive approvals during the shutdown, but ones in the pipeline will fund and commitment good for 90 days.  MORE TO COME!