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Overview Of Gaos Past Work On The National Flood Insurance Program
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Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781982019143 Total Pages :62 pages Book Rating :4.0/5 (191 download)
Book Synopsis Overview of Gao's Past Work on the National Flood Insurance Program by : United States Government Accountability Office
Download or read book Overview of Gao's Past Work on the National Flood Insurance Program written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-12-27 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: Overview of GAO's Past Work on the National Flood Insurance Program
Author :National Academies of Sciences, Engineering, and Medicine Publisher :National Academies Press ISBN 13 :0309380774 Total Pages :151 pages Book Rating :4.3/5 (93 download)
Book Synopsis Affordability of National Flood Insurance Program Premiums by : National Academies of Sciences, Engineering, and Medicine
Download or read book Affordability of National Flood Insurance Program Premiums written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2016-02-21 with total page 151 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 "means-tested assistance" 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.
Author :National Academies of Sciences, Engineering, and Medicine Publisher :National Academies Press ISBN 13 :0309374715 Total Pages :141 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 141 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 Financial Management of Flood Risk by : OECD
Download or read book Financial Management of Flood Risk written by OECD and published by OECD Publishing. This book was released on 2016-07-29 with total page 138 pages. Available in PDF, EPUB and Kindle. Book excerpt: Disasters present a broad range of human, social, financial, economic and environmental impacts, with potentially long-lasting effects. This report applies the lessons from the OECD’s analysis of disaster risk financing practices and its risk guidance to the specific case of floods.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :140 pages Book Rating :4.:/5 (318 download)
Book Synopsis Reauthorization of the National Flood Insurance Program by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Reauthorization of the National Flood Insurance Program written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2011 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Economic Development by : Daniel Garcia-Diaz
Download or read book Economic Development written by Daniel Garcia-Diaz and published by . This book was released on 2014-07-09 with total page 61 pages. Available in PDF, EPUB and Kindle. Book excerpt: Floods are the most common and destructive natural disaster in the U.S. The Nat. Flood Insurance Program (NFIP), which collected about $3.8 billion in premiums and insured about $1.3 trillion in property in 2013, is administered by the Fed. Emergency Mngt. Agency (FEMA) and is a key component of the federal government's efforts to limit the damage and financial impact of floods. NFIP makes federally backed flood insurance available to property owners in participating communities. Also, through NFIP, FEMA maps floodplain boundaries, and requires participating communities to adopt and enforce floodplain management regulations that mitigate the effects of flooding. However, this program is unlikely to generate sufficient revenue to cover future catastrophic losses or repay billions of dollars borrowed from the Treasury Dept. to cover insurance claims from previous disasters. This report summarizes GAO's work from April 2003 through Feb. 2014 in the following areas: (1) finances; (2) premium rate setting; (3) community and property owner participation; (4) flood mapping; (5) flood mitigation; (6) administration and oversight; and (7) information management. It also discuss program changes required by the Biggert-Waters Act and the 2014 Act. Tables and figures. This is a print on demand report.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :168 pages Book Rating :4.:/5 (327 download)
Book Synopsis Legislative Proposals to Reform the National Flood Insurance Program by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book Legislative Proposals to Reform the National Flood Insurance Program 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 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues by : Orice Williams Brown
Download or read book National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues written by Orice Williams Brown and published by DIANE Publishing. This book was released on 2010-08 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Nat. Flood Insurance Program (NFIP), established in 1968, provides policyholders with insurance coverage for flood damage. FEMA is responsible for managing NFIP. Unprecedented losses from the 2005 hurricane season and NFIP¿s periodic need to borrow from the U.S. Treasury to pay flood insurance claims have raised concerns about the program¿s long-term financial solvency. Because of these concerns and NFIP¿s operational issues, NFIP has been on a high-risk list since March 2006. As of April 2010, NFIP¿s debt to Treasury stood at $18.8 billion. This testimony discusses: (1) NFIP¿s financial challenges; (2) FEMA¿s operational and management challenges; and (3) actions needed to address these challenges. Includes recommendations.
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 167 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. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :288 pages Book Rating :4.0/5 ( download)
Book Synopsis The Future of the National Flood Insurance Program by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book The Future of the National Flood Insurance Program written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2007 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Programs In Peril: An Overview of The GAO High-Risk List--Part II, March 15, 2006, 109-2 Hearing, *. by :
Download or read book Programs In Peril: An Overview of The GAO High-Risk List--Part II, March 15, 2006, 109-2 Hearing, *. written by and published by . This book was released on 2006 with total page 80 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 :176 pages Book Rating :4.0/5 ( download)
Book Synopsis Management and Oversight of the National Flood Insurance Program by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book Management and Oversight of the National Flood Insurance Program written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2005 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Flood Insurance: Public Policy Goals Provide a Framework for Reform by : Orice Williams Brown
Download or read book Flood Insurance: Public Policy Goals Provide a Framework for Reform written by Orice Williams Brown and published by DIANE Publishing. This book was released on 2011-08 with total page 19 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis A Blueprint for Coastal Adaptation by : Carolyn Kousky
Download or read book A Blueprint for Coastal Adaptation written by Carolyn Kousky and published by Island Press. This book was released on 2021-05-20 with total page 314 pages. Available in PDF, EPUB and Kindle. Book excerpt: Tens of millions of Americans are at risk from sea level rise, increased tidal flooding, and intensifying storms. A Blueprint for Coastal Adaptation identifies a bold new research and policy agenda and provides implementable options for coastal communities responding to these threats. In this book, coastal adaptation experts present a range of climate adaptation policies that could protect coastal communities against increasing risk, including concrete financing recommendations. Coastal adaptation will not be easy, but it is achievable using varied approaches. A Blueprint for Coastal Adaptation will inspire innovative and cross-disciplinary thinking about coastal policy at the state and local level while providing actionable, realistic policy and planning options for adaptation professionals and policymakers.
Book Synopsis Federal Emergency Management Agency: Ongoing Challenges Facing the National Flood Insurance Program by :
Download or read book Federal Emergency Management Agency: Ongoing Challenges Facing the National Flood Insurance Program written by and published by DIANE Publishing. This book was released on 2007 with total page 18 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 :154 pages Book Rating :4.0/5 ( download)
Book Synopsis The National Flood Insurance Program by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book The National Flood Insurance Program written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2003 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Management: Improvements Needed in National Flood Insurance Program’s Financial Controls and Oversight by : Susan Ragland
Download or read book Financial Management: Improvements Needed in National Flood Insurance Program’s Financial Controls and Oversight written by Susan Ragland and published by DIANE Publishing. This book was released on 2011 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a print on demand edition of a hard to find publication. Due to the federal government's role as guarantor, floods impose an enormous potential financial burden on the federal government. Consequently, decision makers at the Dept. of Homeland Security, FEMA, and the Congress need accurate and timely financial information to assess the effectiveness of the National Flood Insurance Program (NFIP). This report assesses whether controls in place during the 2005 to 2007 time frame were effective and whether actions to improve controls are likely to address identified weaknesses. The report reviewed and analyzed FEMA/NFIP guidance, data, and financial reports, and interviewed FEMA officials and contractors. Includes recommendations. Charts and tables.
