… As climate change drives up flooding risk, the safest move for Isleton residents might be to abandon their small city — but short of that drastic option, insurance could provide a safety net. Now, with help from researchers, the state has funded its first community flood program, providing one private insurance policy for all Isleton residents at no cost. Isleton is piloting community-based insurance for California, which desperately needs alternatives. … Isleton hoped to fund the program independently after the pilot ends in 2027 by establishing a parcel tax, but many residents seem unsupportive of paying it. Despite the uncertain future, Isleton’s new leadership said they plan to lock in the insurance policy this month.