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Orange County, North Carolina - AIFCH - 2007 <br />The majority of offices are located in incorporated cities, especially Chapel Hill. Based on <br />location of these offices there did not seem to be a lack of access to insurance agents/offices <br />based on minority population. Nor did it seem that certain neighborhoods were being redlined <br />based on age, condition or other factors. <br />10.5 Lack of Reporting Requirements <br />A second and significant concern is the difficulty in obtaining any reports identifying the degree <br />of insurance coverage being offered by race/ethnicity and geographic area. The insurance <br />industry has no equivalent to HMDA data, which hinders the monitoring and accountability of the <br />insurance industry to determine the scope of any impediments to fair housing choice created by <br />the inability of persons to obtain home owners or rental insurance. <br />Therefore, it is recommended that an extensive study be conducted of the homeowners' <br />insurance market to determine the scope of the problem and to identify potential systemic <br />approaches to eliminate insurance barriers to fair housing choice. <br />Challenges are being made in Orange County regarding age, marital status, sexual preference <br />and the provision of County services to low-moderate income (LMI) housing developments. <br />These actions reflect how fair housing laws and regulations respond and ultimately adapt to the <br />housing concerns of the community. Current challenges should be used as an indicator by the <br />community to adjust established policy to meet the housing needs of the protected as well as <br />the unprotected classes. <br />11.0 CONCLUSIONS,. IMPEDIMENTS AND RECOMMENDATIONS <br />Below is a summary of the key findings and identified impediments and related <br />recommendations. The consultant will both identify resources to implement these <br />recommendations and suggest a feasible timetable. <br />11.1 NIMBY Issues <br />Negative attitudes and community hostility are often directed toward group homes, proposed <br />affordable housing units (project-based subsidized housing) and/or affordable single family <br />home developments that are proposed in neighborhoods which are not economically distressed <br />or racially isolated. <br />Recommendations: <br />1. Support acommunity-wide program to help reduce public opposition to group living facilities, <br />public-assisted housing, and other unwanted land use through education and outreach. <br />38 <br />