I am quite familiar with redlining. I have many friends who either pay a large amount for insurance, or sometimes decide they can't afford it at all. Most of these people are middle class whites, but a few of them are considered wealthy. The wealthy are less affected and the insurance allows them to enjoy a high standard of living in a high risk area. I am speaking of flood insurance.
This is a case where the red lines are drawn by the government because left to themselves, insurance companies would not offer flood insurance of any kind. The government regulates the flood insurance market, so that rates are kept artificially low and any single provider is not exposed to excess risk.
The result is an interesting economic model in play. Flood insurance allows land to be developed which otherwise would not be economically viable for housing, due to the risk of losing it all in a given period of time. This development changes the geography enough to increase the risk of previously marginal areas, so overall flood risk increases. Some properties have been declared 50% (and higher) losses 3 or 4 times in the past 40 years.
None of this would have happened if not for government regulation which created a insurance market for high risk properties, by drawing a red line around an area and requiring insurance companies to sell flood insurance to any who can afford it. A home owner is not required to be insured, but no bank will finance an uninsured property, which drastically affects market price.
So, if red lining is a problem, the government has shown it has a remedy. It just depends on who needs to be remediated.