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Insurance Availability In Communities At Risk Of Natural Disaster
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Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance Publisher : ISBN 13 : Total Pages :476 pages Book Rating :4.0/5 (6 download)
Book Synopsis Insurance Availability in Communities at Risk of Natural Disaster by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Download or read book Insurance Availability in Communities at Risk of Natural Disaster written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance and published by . This book was released on 1994 with total page 476 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :National Academies of Sciences, Engineering, and Medicine Publisher :National Academies Press ISBN 13 :0309374715 Total Pages :102 pages Book Rating :4.3/5 (93 download)
Book Synopsis A Community-Based Flood Insurance Option by : National Academies of Sciences, Engineering, and Medicine
Download or read book A Community-Based Flood Insurance Option written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2015-10-08 with total page 102 pages. Available in PDF, EPUB and Kindle. Book excerpt: River and coastal floods are among the nation's most costly natural disasters. One component in the nation's approach to managing flood risk is availability of flood insurance policies, which are offered on an individual basis primarily through the National Flood Insurance Program (NFIP). Established in 1968, the NFIP is overseen by the Federal Emergency Management Agency (FEMA) and there are about 5.4 million individual policies in the NFIP. The program has experienced a mixture of successes and persistent challenges. Successes include a large number of policy holders, the insurance of approximately $1.3 trillion of property, and the fact that the large majority of policy holders - 80% - pay rates that are risk based. NFIP challenges include large program debt, relatively low rates of purchase in many flood-prone areas, a host of issues regarding affordability of premiums, ensuring that premiums collected cover payouts and administrative fees, and a large number of properties that experience severe repetitive flood losses. At the request of FEMA, A Community-Based Flood Insurance Option identifies a range of key issues and questions that would merit consideration and further analysis as part of a community-based flood insurance program. As the report describes, the community-based option certainly offers potential benefits, such as the prospect of providing coverage for all (or nearly all) at-risk residents and properties in flood-prone communities. At the same time, many current challenges facing the NFIP may not necessarily be resolved by a community-based approach. This report discusses these and other prominent issues to be considered and further assessed.
Book Synopsis Paying the Price by : Richard J. Roth, Sr.
Download or read book Paying the Price written by Richard J. Roth, Sr. and published by Joseph Henry Press. This book was released on 1998-08-09 with total page 319 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book considers the effectiveness of insurance coverage for low-probability, high-consequence events such as natural disastersâ€"and how insurance programs can successfully be used with other policy tools, such as building codes and standards, to encourage effective loss reduction measures. The authors discuss the reasons for the dramatic increase in insured losses from natural disasters since 1989 and the concern that insurers have about their ability to provide coverage against more such events in the future. It addresses why there has been an increasing demand for hazards insurance, what types of coverage private insurers are willing to offer, and the role of reinsurance and private-/public-sector initiatives at the state and federal levels for providing protection to victims of natural disasters. Detailed case studies of the challenges facing Florida in the wake of Hurricane Andrew in 1992 and California following the Northridge earthquake in 1994 reveal the challenges facing the insurance industry as well as other concerned stakeholders. The National Flood Insurance Program illustrates how a public-/private-sector partnership can mitigate damages and provide financial protection to victims. The book identifies new initiatives for reducing future losses and providing funds for recovery through cooperation by the relevant parties.
Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :68 pages Book Rating :4.F/5 ( download)
Book Synopsis The Growing Threat of Natural Disasters and the Impact on Homeowners' Insurance Availability by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book The Growing Threat of Natural Disasters and the Impact on Homeowners' Insurance Availability written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 1999 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :132 pages Book Rating :4.X/5 (5 download)
Book Synopsis Homeowners' Insurance Availability in Disaster Prone Areas by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book Homeowners' Insurance Availability in Disaster Prone Areas written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 1997 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :88 pages Book Rating :4.0/5 ( download)
Book Synopsis National Policy Approaches to the Lack of Available Homeowners' Insurance in Disaster-prone Areas by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book National Policy Approaches to the Lack of Available Homeowners' Insurance in Disaster-prone Areas written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 1997 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Levees and the National Flood Insurance Program by : National Research Council
Download or read book Levees and the National Flood Insurance Program written by National Research Council and published by National Academies Press. This book was released on 2013-08-18 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :76 pages Book Rating :4.0/5 (6 download)
Book Synopsis A Crisis of Homeowners' Insurance Availability in Disaster-prone Areas by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book A Crisis of Homeowners' Insurance Availability in Disaster-prone Areas written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 1999 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis A Safer Future by : National Research Council
Download or read book A Safer Future written by National Research Council and published by National Academies Press. This book was released on 1991-02-01 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: Initial priorities for U.S. participation in the International Decade for Natural Disaster Reduction, declared by the United Nations, are contained in this volume. It focuses on seven issues: hazard and risk assessment; awareness and education; mitigation; preparedness for emergency response; recovery and reconstruction; prediction and warning; learning from disasters; and U.S. participation internationally. The committee presents its philosophy of calls for broad public and private participation to reduce the toll of disasters.
Author :The Law The Law Library Publisher :Createspace Independent Publishing Platform ISBN 13 :9781727574111 Total Pages :26 pages Book Rating :4.5/5 (741 download)
Book Synopsis Suspension of Community Eligibility (Us Federal Emergency Management Agency Regulation) (Fema) (2018 Edition) by : The Law The Law Library
Download or read book Suspension of Community Eligibility (Us Federal Emergency Management Agency Regulation) (Fema) (2018 Edition) written by The Law The Law Library and published by Createspace Independent Publishing Platform. This book was released on 2018-09-23 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Suspension of Community Eligibility (US Federal Emergency Management Agency Regulation) (FEMA) (2018 Edition) The Law Library presents the complete text of the Suspension of Community Eligibility (US Federal Emergency Management Agency Regulation) (FEMA) (2018 Edition). Updated as of May 29, 2018 This rule identifies communities, where the sale of flood insurance has been authorized under the National Flood Insurance Program (NFIP), that are scheduled for suspension on the effective dates listed within this rule because of noncompliance with the floodplain management requirements of the program. If the Federal Emergency Management Agency (FEMA) receives documentation that the community has adopted the required floodplain management measures prior to the effective suspension date given in this rule, the suspension will not occur and a notice of this will be provided by publication in the Federal Register on a subsequent date. This book contains: - The complete text of the Suspension of Community Eligibility (US Federal Emergency Management Agency Regulation) (FEMA) (2018 Edition) - A table of contents with the page number of each section
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance Publisher : ISBN 13 : Total Pages :334 pages Book Rating :4.X/5 (2 download)
Book Synopsis The Availability of Insurance in Areas at Risk of Natural Disasters by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Download or read book The Availability of Insurance in Areas at Risk of Natural Disasters written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance and published by . This book was released on 1994 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :136 pages Book Rating :4.:/5 (327 download)
Book Synopsis Approaches to Mitigating and Managing Natural Catastrophe Risk by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book Approaches to Mitigating and Managing Natural Catastrophe Risk written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2010 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Levees and the National Flood Insurance Program by : National Research Council
Download or read book Levees and the National Flood Insurance Program written by National Research Council and published by National Academies Press. This book was released on 2013-07-18 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :160 pages Book Rating :4.F/5 ( download)
Book Synopsis Perspectives on Natural Disaster Insurance by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book Perspectives on Natural Disaster Insurance written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2007 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Tying Flood Insurance to Flood Risk for Low-Lying Structures in the Floodplain by : National Research Council
Download or read book Tying Flood Insurance to Flood Risk for Low-Lying Structures in the Floodplain written by National Research Council and published by National Academies Press. This book was released on 2015-08-03 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: Floods take a heavy toll on society, costing lives, damaging buildings and property, disrupting livelihoods, and sometimes necessitating federal disaster relief, which has risen to record levels in recent years. The National Flood Insurance Program (NFIP) was created in 1968 to reduce the flood risk to individuals and their reliance on federal disaster relief by making federal flood insurance available to residents and businesses if their community adopted floodplain management ordinances and minimum standards for new construction in flood prone areas. Insurance rates for structures built after a flood plain map was adopted by the community were intended to reflect the actual risk of flooding, taking into account the likelihood of inundation, the elevation of the structure, and the relationship of inundation to damage to the structure. Today, rates are subsidized for one-fifth of the NFIP's 5.5 million policies. Most of these structures are negatively elevated, that is, the elevation of the lowest floor is lower than the NFIP construction standard. Compared to structures built above the base flood elevation, negatively elevated structures are more likely to incur a loss because they are inundated more frequently, and the depths and durations of inundation are greater. Tying Flood Insurance to Flood Risk for Low-Lying Structures in the Floodplain studies the pricing of negatively elevated structures in the NFIP. This report review current NFIP methods for calculating risk-based premiums for these structures, including risk analysis, flood maps, and engineering data. The report then evaluates alternative approaches for calculating risk-based premiums and discusses engineering hydrologic and property assessment data needs to implement full risk-based premiums. The findings and conclusions of this report will help to improve the accuracy and precision of loss estimates for negatively elevated structures, which in turn will increase the credibility, fairness, and transparency of premiums for policyholders.
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance Publisher : ISBN 13 : Total Pages :470 pages Book Rating :4.3/5 (121 download)
Book Synopsis Insurance Availability in Communities at Risk of Natural Disaster by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Download or read book Insurance Availability in Communities at Risk of Natural Disaster written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance and published by . This book was released on 1994 with total page 470 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Natural Hazards and Public Choice by : James D Wright
Download or read book Natural Hazards and Public Choice written by James D Wright and published by Elsevier. This book was released on 2013-09-03 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: Natural Hazards and Public Choice: The State and Local Politics of Hazard Mitigation presents a research project that emerged from a concern for estimating the balance of support versus opposition to prospective social policies that aim to reduce the risks of damage or injuries from major natural hazard events via the regulation of land use and establishment of building and occupancy standards in high-risk areas. The volume begins with an overview of the research project and the main findings. Separate chapters describe the study design; assess the views of politically influential people regarding the seriousness of natural hazards; measure the support for federal disaster policies; and consider public opinion on hazards-mitigation issues in California. Subsequent chapters cover the National Flood Insurance Program (NFIP); patterns of activity, influence, and power among key positions and groups in local communities with respect to issues involving disasters; and hazard mitigation activities at the state level.
