Flood reform is on many wish lists, but it doesn't look as though Santa will be bringing any significant changes this year.

The measure, passed 82-17, gives Puerto Rico access to $4.9 billion in low-interest Treasury loans and would also replenish the troubled National Flood Insurance Program, which runs out of money as early as this week.

The House passed a $36.5 billion hurricane and wildfire relief bill Thursday that would give Puerto Rico access to $4.9 billion in low-interest Treasury loans and allow the troubled NFIP to keep paying claims.

Insights into emerging risks and how they can best be tackled.