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Author : Anonim
Publisher : Unknown
Page : 2 pages
File Size : 44,9 Mb
Release : 2002
Category : Flood insurance
ISBN : UIUC:30112064008045
Author : Anonim
Publisher : Unknown
Page : 2 pages
File Size : 40,5 Mb
Release : 2002
Category : Flood insurance
ISBN : OCLC:52588949
Author : Anonim
Publisher : DIANE Publishing
Page : 28 pages
File Size : 41,5 Mb
Release : 2024-06-23
Category : Electronic
ISBN : 9781437983753
Author : National Research Council,Division on Earth and Life Studies,Water Science and Technology Board,Committee on Levees and the National Flood Insurance Program: Improving Policies and Practices
Publisher : National Academies Press
Page : 275 pages
File Size : 51,6 Mb
Release : 2013-08-18
Category : Science
ISBN : 9780309282901
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 : Anonim
Publisher : Unknown
Page : 56 pages
File Size : 40,9 Mb
Release : 1982
Category : Disaster insurance
ISBN : UIUC:30112105177932
Author : Anonim
Publisher : Unknown
Page : 80 pages
File Size : 52,9 Mb
Release : 1997
Category : Flood insurance
ISBN : UOM:39015041780381
Author : Anonim
Publisher : Unknown
Page : 162 pages
File Size : 46,8 Mb
Release : 1981
Category : Disaster relief
ISBN : UCR:31210018616365
Author : Charles D. Fletcher
Publisher : DIANE Publishing
Page : 74 pages
File Size : 46,9 Mb
Release : 1999-03
Category : Electronic
ISBN : 9780788176081
Intended to acquaint the public with the National Flood Insurance Program (NFIP). It is designed for readers who do not need a detailed history or refined technical or legal explanations, but do need a basic understanding of the program & the answers to some frequently asked questions. Includes: introduction to the NFIP; flood insurance information for prospective buyers; coverage; filing a flood insurance claim; floodplain management requirements; flood hazard assessments & mapping requirements; NFIP address & phone directory; list of available publications; & address for obtaining CRS coordinator's manual.
Author : United States. Federal Emergency Management Agency
Publisher : Unknown
Page : 156 pages
File Size : 55,8 Mb
Release : 1999
Category : Disaster relief
ISBN : UIUC:30112048584244
Author : United States. Department of Housing and Urban Development
Publisher : Unknown
Page : 52 pages
File Size : 47,7 Mb
Release : 1974
Category : Flood insurance
ISBN : UCR:31210024837732
Author : U. s. Department of Homeland Security,Federal Emergency Management Agency
Publisher : CreateSpace
Page : 506 pages
File Size : 51,5 Mb
Release : 2013-09
Category : Social Science
ISBN : 1492825069
The National Flood Insurance Program (NFIP) was established by the National Flood Insurance Act of 1968. The Act was in response to Congress finding that: • Flooding disasters required unforeseen disaster relief and placed an increased burden on the nation's resources. • The installation of flood preventive and protective measures and other public programs designed to reduce losses caused by flood damage had not been sufficient to adequately protect against the growing exposure to flood losses as a matter of national policy. A reasonable method of slowing the risk of flood losses would be through a program of flood insurance that could complement and encourage preventive and protective measures. • Many factors made it uneconomical for private insurance industry carriers to make flood insurance available to those in need of such protection on reasonable terms and conditions. • A program of flood insurance with large-scale participation of the Federal Government and the maximum extent practicable by the private industry was feasible and could be initiated. Congress stated that the purpose in passing the Act was to: • Authorize a flood insurance program that, over time, could be made available across the country through the cooperative effort of the Federal Government and the private insurance industry. • Provide flexibility in the program so that such flood insurance would be based on workable methods of pooling risks, minimizing costs, and distributing burdens equitably among the general public and those who would be protected by flood insurance. • Encourage state and local governments to use wisely the lands under their jurisdiction by considering the hazards of flood when rendering decisions on the future use of such land in order to minimize damage. From 1968 until 1979, the NFIP was administered by the U.S. Department of Housing and Urban Development. When the Federal Emergency Management Agency (FEMA) was established in 1979, administration of the NFIP was transferred to that agency. In March 2003, FEMA became part of the newly created U.S. Department of Homeland Security. The NFIP is a program in which communities formally agree, as evidenced by their adoption of codes and ordinances, to regulate the use of their floodprone lands. In return, FEMA makes flood insurance coverage available on buildings and their contents throughout the community. FEMA has traditionally identified these flood hazard areas on maps that are provided to communities for carrying out their responsibilities. The maps are also used by insurance agents/ producers to determine rates and by lenders to determine purchase requirements.
Author : Lloyd S. Dixon
Publisher : Rand Infrastructure Safety and Environment and Institute for Civil Justice
Page : 116 pages
File Size : 46,8 Mb
Release : 2006-01-01
Category : Flood insurance
ISBN : 0833039083
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.
Author : FEMA.
Publisher : DIANE Publishing
Page : 80 pages
File Size : 55,5 Mb
Release : 2011
Category : Flood insurance
ISBN : 9781457813108
Author : National Research Council,Division of Behavioral and Social Sciences and Education,Committee on National Statistics,Division on Engineering and Physical Sciences,Board on Mathematical Sciences and Their Applications,Division on Earth and Life Studies,Water Science and Technology Board,Committee on the Affordability of National Flood Insurance Program Premiums
Publisher : National Academies Press
Page : 166 pages
File Size : 49,8 Mb
Release : 2015-08-06
Category : Science
ISBN : 9780309371285
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 : Anonim
Publisher : Unknown
Page : 52 pages
File Size : 50,7 Mb
Release : 1993
Category : Flood insurance
ISBN : UCR:31210018614204