Enterprise Community Loan Fund has spent decades bringing flexible, patient capital to places the market alone can’t always support. In rural communities — where projects tend to be smaller, geographically dispersed, and more complex to finance — that flexibility can determine whether a project moves forward or stalls.

Ayrianne Parks, Enterprise’s senior director for policy advocacy and co-author of a new report on the insurance crisis, says that escalating premiums, and efforts to restore balance and stability in the insurance market represent a moment of opportunity for the affordable, multifamily housing sector.