Discover Affordability of National Flood Insurance Program Premiums: Report 2 by Division of Behavioral and Social Sciences and Education.
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Overview: When Congress authorized the National Flood Insurance Program (NFIP) in 1968, it intended for the program to encourage community initiatives in flood risk management, charge insurance premiums consistent with actuarial pricing principles, and encourage the purchase of flood insurance by owners of flood prone properties, in part, by offering affordable premiums. The NFIP has been reauthorized many times since 1968, most recently with the Biggert-Waters Flood Insurance Reform Act of 2012 (BW 2012). In this most recent reauthorization, Congress placed a particular emphasis on setting flood insurance premiums following actuarial pricing principles, which was motivated by a desire to ensure future revenues were adequate to pay claims and administrative expenses. BW 2012 was designed to move the NFIP towards risk-based premiums for all flood insurance policies. The result was to be increased premiums for some policyholders that had been paying less than NFIP risk-based premiums and to possibly increase premiums for all policyholders.Recognition of this possibility and concern for the affordability of flood insurance is reflected in sections of the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA 2014). These sections called on FEMA to propose a draft affordability framework for the NFIP after completing an analysis of the efforts of possible programs for offering a oemeans-tested assistancea to policyholders for whom higher rates may not be affordable.BW 2012 and HFIAA 2014 mandated that FEMA conduct a study, in cooperation with the National Academies of Sciences, Engineering, and Medicine, which would compare the costs of a program of risk-based rates and means-tested assistance to the current system of subsidized flood insurance rates and federally funded disaster relief for people without coverage. Production of two reports was agreed upon to fulfill this mandate. This second report proposes alternative approaches for a national evaluation of affordability program policy options and includes lessons for the design of a national study from a proof-of-concept pilot study.
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ISBN-1328207983
More Books By: Division of Behavioral and Social Sciences and Education
After spending years working in the corporate world, Division of Behavioral and Social Sciences and Education finally decided to pursue a lifelong passion for writing. They currently reside in a quiet suburb where they spend most of their time outlining new stories, reading extensively, and occasionally attempting to bake.
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Mary RobertsApril 12, 2024
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Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
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Kevin ClarkJuly 07, 2024
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Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Rebecca ReyesMarch 15, 2024
Glad someone recommended this to me. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
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Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
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Such a great read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
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A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
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A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
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Eric WhiteJuly 17, 2025
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Richard GarciaSeptember 05, 2024
Took me a few chapters to get into it, but it was worth it. Interesting premise and executed fairly well. Just a few slow chapters here and there. I'd probably recommend it to a friend.
Sharon JacksonFebruary 23, 2024
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Jennifer GomezNovember 18, 2024
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Deborah GarciaDecember 18, 2025
Finished it in a couple of days. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
Matthew FloresJanuary 02, 2024
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Nancy AllenMarch 23, 2025
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Michelle AdamsJuly 14, 2025
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Ashley MillerNovember 09, 2025
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
Kevin BrownAugust 24, 2024
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George GarciaAugust 26, 2025
Honestly one of the better books I've read lately. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Richard YoungAugust 15, 2024
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
John EvansDecember 20, 2025
Really enjoyed this one. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Jessica PerezMarch 29, 2025
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Patricia GomezMay 21, 2024
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Michelle GreenFebruary 11, 2025
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Eric WhiteAugust 18, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. I'd probably recommend it to a friend.
David SanchezSeptember 22, 2025
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Jacob RobinsonApril 05, 2024
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Brian AllenJuly 24, 2025
A solid read. I liked the main character, though some of the side plots were just okay. Not bad at all.
Melissa MillerNovember 10, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Margaret HallApril 25, 2025
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Edward HillOctober 09, 2025
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Jacob MartinezNovember 27, 2025
Pretty good overall. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. I'd probably recommend it to a friend.
Donna MitchellMarch 28, 2025
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
David MartinezJanuary 22, 2025
I liked it for the most part. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Linda GarciaDecember 29, 2025
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Not bad at all.
Thomas GonzalezFebruary 20, 2025
Really enjoyed this one. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
Jennifer CruzJuly 31, 2024
Pretty good overall. It held my attention, even if a few things were a little predictable. Still a good book.
Ryan AdamsAugust 17, 2024
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. Still a good book.
Emily GonzalezOctober 16, 2025
Finished it in a couple of days. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
Joshua EdwardsApril 04, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Jacob ThomasOctober 14, 2025
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Kenneth RobertsDecember 28, 2025
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Edward TorresDecember 01, 2025
Really enjoyed this one. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Brian AllenSeptember 23, 2025
Honestly one of the better books I've read lately. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
Stephanie MooreAugust 12, 2024
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. Will be looking for more from this author.
Donald JonesNovember 03, 2024
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Edward RodriguezMarch 16, 2024
A solid read. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Enjoyable weekend read.
Betty ThompsonJune 14, 2025
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Kevin LewisAugust 23, 2024
Good, but not quite perfect. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Still a good book.
Jacob JonesJuly 27, 2024
Such a great read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Ryan MitchellMay 16, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
Gary LeeNovember 17, 2025
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Amanda NelsonAugust 23, 2024
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Definitely recommend it if you like this genre.
David MartinezDecember 08, 2025
A solid read. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Robert CollinsMarch 23, 2024
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Emily MartinezMay 08, 2024
Really enjoyed this one. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Jessica TurnerMarch 28, 2024
A solid read. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Eric WhiteOctober 22, 2025
An average read for me. It felt a bit repetitive in the middle. Could have been shorter. Probably won't read it again, but it was an okay way to pass the time.
Melissa MooreMarch 10, 2024
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
William NelsonJune 18, 2024
It was okay. Some parts were interesting, while others were a bit of a slog to get through. It's fine if you have nothing else to read.
Jacob JonesMay 13, 2025
Really enjoyed this one. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Nancy WalkerApril 27, 2025
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Sandra RiveraJuly 02, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
John CampbellDecember 02, 2025
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. Still a good book.
David MartinezJanuary 08, 2025
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. Enjoyable weekend read.
Emily MartinezOctober 06, 2025
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Mary ThompsonMarch 03, 2024
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Carol RobinsonJune 27, 2025
Good, but not quite perfect. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Mary ThompsonAugust 22, 2024
I have mixed feelings about this one. It had some good moments, but the overall plot felt a bit disjointed in the second half. A generous 3 stars.
Nancy WrightSeptember 19, 2024
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
George GarciaDecember 13, 2024
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. A solid 4 stars from me.
Mark GarciaOctober 15, 2024
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Definitely recommend it if you like this genre.
Ashley MartinAugust 15, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Ashley CruzJuly 01, 2024
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Karen HallMarch 19, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Enjoyable weekend read.
David MartinezOctober 30, 2025
Good, but not quite perfect. I liked the main character, though some of the side plots were just okay. Not bad at all.
Karen HallNovember 11, 2024
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Barbara CollinsAugust 08, 2024
Pretty good overall. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Margaret GonzalezJuly 03, 2024
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Joshua MitchellFebruary 10, 2025
I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Brian ThompsonApril 19, 2025
Not bad, but not my favorite. It had some good moments, but the overall plot felt a bit disjointed in the second half. Might work better for someone else, just wasn't completely for me.
