Nine of 10 most expensive events were in the United States, including $35 billion from Sandy and largest drought claims ever.
Obama signed expansion into law over the weekend; Sandy claims cited as cause for concern.
Legislation increases borrowing authority by one third, draws Republican ire and promises to take NFIP private.
Claims from superstorm to outstrip NFIP's borrowing authority.
Major insurance companies say Winter Storm Athena hasn't stopped Sandy claims work, yet.
NFIP will likely need to go to Congress for additional borrowing authority to pay claims, insurance industry officials say.
CUNA Mutual said Thursday it has received damage reports from about 25 credit unions in seven states and expects that number to rise.
Catatastrophe modeling specialist says superstorm caused between $7 billion and $15 billion in insured losses.
Insurer says many of the credit unions affected are still unreachable by their employees.
Some tips credit unions can share with their members from the Consumer Federation of America.