The National Flood Insurance Program S Market Penetration Rate
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The National Flood Insurance Program S Market Penetration Rate
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Author : Lloyd S. Dixon
language : en
Publisher: Rand Infrastructure Safety and Environment and Institute for Civil Justice
Release Date : 2006-01-01
The National Flood Insurance Program S Market Penetration Rate written by Lloyd S. Dixon and has been published by Rand Infrastructure Safety and Environment and Institute for Civil Justice this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-01-01 with Flood insurance categories.
Flooding is a major source of loss to individuals and businesses in the United States. Private insurers have historically been unable to provide flood insurance at affordable rates, and until the establishment of the National Flood Insurance Program in 1968, the primary recourse for flood victims was government disaster assistance. Congress adopted this program in response to the ongoing unavailability of private insurance and continued increases in federal disaster assistance. The Federal Emergency Management Agency is currently conducting a major evaluation of the program's goals and performance. This report contributes to that evaluation by developing more reliable estimates of the proportion of single-family homes (excluding condominiums) that have flood insurance (the market penetration rate); by identifying factors that determine the market penetration rate; and by examining some of the opportunities for, and the potential benefits of, increasing the market penetration rate.
The Lender Placed Flood Insurance Market For Residential Properties
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Author : Lloyd S. Dixon
language : en
Publisher: Rand Corporation
Release Date : 2007
The Lender Placed Flood Insurance Market For Residential Properties written by Lloyd S. Dixon and has been published by Rand Corporation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.
The National Flood Insurance Program (NFIP) provides the majority of flood insurance on U.S. residential properties. While insurance agents sell nearly all NFIP policies through private insurance companies, the U.S. government still underwrites them. Flood insurance is also available from private insurers that underwrite it themselves. This report provides information about the size of the private market and compares private with NFIP policies.
Reauthorization Of The National Flood Insurance Program
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 2012
Reauthorization Of The National Flood Insurance Program written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Business & Economics categories.
Federal Emergency Management Agency Ongoing Challenges Facing The National Flood Insurance Program
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Author :
language : en
Publisher: DIANE Publishing
Release Date : 2007
Federal Emergency Management Agency Ongoing Challenges Facing The National Flood Insurance Program written by and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with categories.
An Examination Of The National Flood Insurance Program
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 2009
An Examination Of The National Flood Insurance Program written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Flood insurance categories.
National Flood Insurance Program Background Challenges And Financial Status
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Author :
language : en
Publisher: DIANE Publishing
Release Date :
National Flood Insurance Program Background Challenges And Financial Status written by and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Levees And The National Flood Insurance Program
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Author : National Research Council
language : en
Publisher: National Academies Press
Release Date : 2013-08-18
Levees And The National Flood Insurance Program written by National Research Council and has been published by National Academies Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-08-18 with Science categories.
The Federal Emergency Management Agency's (FEMA) Federal Insurance and Mitigation Administration (FIMA) manages the National Flood Insurance Program (NFIP), which is a cornerstone in the U.S. strategy to assist communities to prepare for, mitigate against, and recover from flood disasters. The NFIP was established by Congress with passage of the National Flood Insurance Act in 1968, to help reduce future flood damages through NFIP community floodplain regulation that would control development in flood hazard areas, provide insurance for a premium to property owners, and reduce federal expenditures for disaster assistance. The flood insurance is available only to owners of insurable property located in communities that participate in the NFIP. Currently, the program has 5,555,915 million policies in 21,881 communities3 across the United States. The NFIP defines the one percent annual chance flood (100-year or base flood) floodplain as a Special Flood Hazard Area (SFHA). The SFHA is delineated on FEMA's Flood Insurance Rate Maps (FIRM's) using topographic, meteorologic, hydrologic, and hydraulic information. Property owners with a federally back mortgage within the SFHAs are required to purchase and retain flood insurance, called the mandatory flood insurance purchase requirement (MPR). Levees and floodwalls, hereafter referred to as levees, have been part of flood management in the United States since the late 1700's because they are relatively easy to build and a reasonable infrastructure investment. A levee is a man-made structure, usually an earthen embankment, designed and constructed in accordance with sound engineering practices to contain, control, or divert the flow of water so as to provide protection from temporary flooding. A levee system is a flood protection system which consists of a levee, or levees, and associated structures, such as closure and drainage devices, which are constructed and operated in accordance with sound engineering practices. Recognizing the need for improving the NFIP's treatment of levees, FEMA officials approached the National Research Council's (NRC) Water Science and Technology Board (WSTB) and requested this study. The NRC responded by forming the ad hoc Committee on Levee and the National Flood Insurance Program: Improving Policies and Practices, charged to examine current FEMA treatment of levees within the NFIP and provide advice on how those levee-elated policies and activities could be improved. The study addressed four broad areas, risk analysis, flood insurance, risk reduction, and risk communication, regarding how levees are considered in the NFIP. Specific issues within these areas include current risk analysis and mapping procedures behind accredited and non-accredited levees, flood insurance pricing and the mandatory flood insurance purchase requirement, mitigation options to reduce risk for communities with levees, flood risk communication efforts, and the concept of shared responsibility. The principal conclusions and recommendations are highlighted in this report.
Flood Insurance
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Author : Orice Williams Brown
language : en
Publisher: DIANE Publishing
Release Date : 2011
Flood Insurance written by Orice Williams Brown and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Business & Economics categories.
The Nat. Flood Insurance Program (NFIP) has been on the high-risk list since 2006, when the program had to borrow form the U.S. Treasury to cover losses from the 2005 hurricanes. The outstanding debt is $17.8 billion as of June 2011. This sizeable debt, plus operational and mgmt. challenges at FEMA, which administers NFIP, have combined to keep the program on the high-risk list. NFIP¿s need to borrow to cover claims in years of catastrophic flooding has raised concerns about the program¿s long-term financial solvency. This testimony: (1) discusses ways to place NFIP on a sounder financial footing; and (2) highlights operational and mgmt. challenges at FEMA that affect the program. This is a print on demand report.
The Future Of The National Flood Insurance Program
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 2007
The Future Of The National Flood Insurance Program written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.
Flood Insurance Public Policy Goals Provide A Framework For Reform
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Author : Orice Williams Brown
language : en
Publisher: DIANE Publishing
Release Date : 2011-08
Flood Insurance Public Policy Goals Provide A Framework For Reform written by Orice Williams Brown and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-08 with Business & Economics categories.
The National Flood Insur. Program (NFIP) had to borrow from the U.S. Treasury to cover losses from the 2005 hurricanes. The outstanding debt is $17.8 billion as of March 2011. This sizable debt, plus operational and mgmt. challenges at FEMA, which administers NFIP, have kept the program on the high-risk list. NFIP¿s need to borrow to cover claims in years of catastrophic flooding has raised concerns about the program¿s long-term financial solvency. This testimony: 1) discusses ways to place NFIP on a sounder financial footing in light of public policy goals for fed. involvement in natural catastrophe insur.; and 2) highlights operational and mgmt. challenges at FEMA that affect the program. This is a print on demand report.