Read Books Online and Download eBooks, EPub, PDF, Mobi, Kindle, Text Full Free.
The Impact Of The National Flood Insurance Market On Residential Property Markets Microform
Download The Impact Of The National Flood Insurance Market On Residential Property Markets Microform full books in PDF, epub, and Kindle. Read online The Impact Of The National Flood Insurance Market On Residential Property Markets Microform ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!
Author :R. Derek Bjonback Publisher :Ann Arbor, Mich. : University Microfilms International ISBN 13 : Total Pages :404 pages Book Rating :4.:/5 (121 download)
Book Synopsis The Impact of the National Flood Insurance Market on Residential Property Markets [microform] by : R. Derek Bjonback
Download or read book The Impact of the National Flood Insurance Market on Residential Property Markets [microform] written by R. Derek Bjonback and published by Ann Arbor, Mich. : University Microfilms International. This book was released on 1984 with total page 404 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Lender-placed Flood Insurance Market for Residential Properties by : Lloyd S. Dixon
Download or read book The Lender-placed Flood Insurance Market for Residential Properties written by Lloyd S. Dixon and published by Rand Corporation. This book was released on 2007 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis The Effects of Flood Insurance on Housing Markets by : Agustín Indaco
Download or read book The Effects of Flood Insurance on Housing Markets written by Agustín Indaco and published by . This book was released on 2018 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: We analyze the role of food insurance on the housing markets of coastal cities. To do so we have assembled a parcel-level dataset including the universe of residential sales for three coastal urban areas in the United States - Miami-Dade county (2008-2015), New York city (2003-2016), and Virginia Beach (2000-2016) - matched with their FEMA food maps, which characterize the food risk level for each property. First, we compare trends in housing values and sales activity among properties on the foodplain, as defined by the National Flood Insurance Program (NFIP), relative to properties located elsewhere within the same city. Despite the heightened food risk in the last two decades, we did not find evidence of divergent trends, suggesting that food insurance may have cushioned the effects of the increase in food risk.Secondly, we analyze the effects of the recent reforms to the NFIP. In 2012 and 2014, Congress passed legislation that led to important increases in insurance premia and updates of food maps. We fail to find an effect of increases in premia on the values of foodplain properties in Virginia Beach and Miami-Dade, but we do find evidence of an effect in New York coinciding with the aftermath of hurricane Sandy. We also find some evidence of price changes for properties that experienced a change in risk classification in the new FEMA food maps. We conclude that the full effects of the 2012-2014 food insurance reforms have not yet taken place but will probably materialize in the future.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Insurance Publisher : ISBN 13 : Total Pages :72 pages Book Rating :4.F/5 ( download)
Book Synopsis Opportunities for a Private and Competitive Sustainable Flood Insurance Market by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Insurance
Download or read book Opportunities for a Private and Competitive Sustainable Flood Insurance Market written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Insurance and published by . This book was released on 2015 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis National Flood Insurance Program ... by : United States. Department of Housing and Urban Development
Download or read book National Flood Insurance Program ... written by United States. Department of Housing and Urban Development and published by . This book was released on 1974 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Affordability of National Flood Insurance Program Premiums by : National Research Council
Download or read book Affordability of National Flood Insurance Program Premiums written by National Research Council and published by National Academies Press. This book was released on 2015-08-06 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: The National Flood Insurance Program (NFIP) is housed within the Federal Emergency Management Agency (FEMA) and offers insurance policies that are marketed and sold through private insurers, but with the risks borne by the U.S. federal government. NFIP's primary goals are to ensure affordable insurance premiums, secure widespread community participation in the program, and earn premium and fee income that covers claims paid and program expenses over time. In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform and Modernization Act (Biggert-Waters 2012), designed to move toward an insurance program with NFIP risk-based premiums that better reflected expected losses from floods at insured properties. This eliminated policies priced at what the NFIP called "pre-FIRM subsidized" and "grandfathered." As Biggert-Waters 2012 went into effect, constituents from multiple communities expressed concerns about the elimination of lower rate classes, arguing that it created a financial burden on policy holders. In response to these concerns Congress passed The Homeowner Flood Insurance Affordability Act of 2014 (HFIAA 2014). The 2014 legislation changed the process by which pre-FIRM subsidized premiums for primary residences would be removed and reinstated grandfathering. As part of that legislation, FEMA must report back to Congress with a draft affordability framework. Affordability of National Flood Insurance Program Premiums: Report 1 is the first part of a two-part study to provide input as FEMA prepares their draft affordability framework. This report discusses the underlying definitions and methods for an affordability framework and the affordability concept and applications. Affordability of National Flood Insurance Program Premiums gives an overview of the demand for insurance and the history of the NFIP premium setting. The report then describes alternatives for determining when the premium increases resulting from Biggert-Waters 2012 would make flood insurance unaffordable.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :194 pages Book Rating :4.F/5 ( download)
Book Synopsis The National Flood Insurance Program and Repetitive Loss Properties by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book The National Flood Insurance Program and Repetitive Loss Properties written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2001 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Information on Proposed Changes to the National Flood Insurance Program by : Orice M. Williams
Download or read book Information on Proposed Changes to the National Flood Insurance Program written by Orice M. Williams and published by DIANE Publishing. This book was released on 2009-06 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Nat. Flood Insur. Program (NFIP) currently has 5.6 million policyholders that are insured for $1.1 trillion. The program collects $2.9 billion in annual premiums. As of Jan. 2009, NFIP owed $19.2 billion to the U.S. Treasury, primarily as a result of loans that the program received to pay claims from the 2005 hurricane season. This is a briefing on: (1) the percentage and geographic distribution of policyholders that purchase the max. NFIP coverage; (2) the availability of private commercial and residential flood insur.; (3) the potential effect of adding bus. interruption coverage to commercial flood insur., particularly for small and medium-sized bus.; and (4) the challenges and issues surrounding the potential creation of an NFIP loss fund. Illus.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :224 pages Book Rating :4.:/5 (319 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 2012 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :298 pages Book Rating :4.F/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 298 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
Book Synopsis Socioeconomic Effects of the National Flood Insurance Program by : James P. Howard, II
Download or read book Socioeconomic Effects of the National Flood Insurance Program written by James P. Howard, II and published by Springer. This book was released on 2016-04-20 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Brief presents a benefit-cost analysis of the National Flood Insurance Program (NFIP) as well as an evaluation of its cumulative socioeconomic effects. Created by Congress in 1968, the NFIP provides flood insurance protection to property owners, in return for local government commitment to sound floodplain management. Since 1994, the NFIP has included a Flood Mitigation Assistance (FMA) program to provide local communities with support for flood mitigation. This book offers quantitative evidence of the net social benefit of the NFIP for the years 1996-2010, including an independent assessment of the consumer benefit. Second, it provides distributionally weighted analysis to show the socioeconomic effects of payments and claims. Finally, this Brief includes an analysis of the change in government revenue attributable to the NFIP and FMA programs. The models used in each component of the analysis are usable by others for extending and revising the analysis. Providing a comprehensive analysis of this increasingly important federal policy, this Brief will be of use to students of environmental economics and public policy as well as those interested in risk management in the era of climate change.
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:
Author :Lloyd S. Dixon Publisher :Rand Infrastructure Safety and Environment and Institute for Civil Justice ISBN 13 :9780833039088 Total Pages :116 pages Book Rating :4.0/5 (39 download)
Book Synopsis The National Flood Insurance Program's Market Penetration Rate by : Lloyd S. Dixon
Download or read book The National Flood Insurance Program's Market Penetration Rate written by Lloyd S. Dixon and published by Rand Infrastructure Safety and Environment and Institute for Civil Justice. This book was released on 2006-01-01 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
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 Flood Insurance by : Stanley J. Czerwinski
Download or read book Flood Insurance written by Stanley J. Czerwinski and published by . This book was released on 1999 with total page 16 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.F/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: