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    <title>Hurricane Harvey Could Spur Congress to Act on Flood Insurance</title>

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<div class="article-feed" data-infinite-scroll data-toc="[{&quot;id&quot;:462472,&quot;title&quot;:&quot;Hurricane Harvey Could Spur Congress to Act on Flood Insurance&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/national\/2017\/08\/28\/462472.htm&quot;,&quot;author&quot;:&quot;Suzanne Barlyn&quot;,&quot;category&quot;:&quot;national&quot;},{&quot;id&quot;:480120,&quot;title&quot;:&quot;Aspen Looks to Rebound from &#039;Considerable Poor Performance&#039; by Insurance Unit&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/international\/2018\/02\/12\/480120.htm&quot;,&quot;author&quot;:&quot;Mark Hollmer&quot;,&quot;category&quot;:&quot;international&quot;},{&quot;id&quot;:479835,&quot;title&quot;:&quot;A.M. Best Calculates P\/C Insurers&#039; Underwriting Loss for 2017&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/national\/2018\/02\/07\/479835.htm&quot;,&quot;author&quot;:&quot;&quot;,&quot;category&quot;:&quot;national&quot;},{&quot;id&quot;:480245,&quot;title&quot;:&quot;Distributed Social Proof Insurance: The Next Industry Game-Changer?&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/international\/2018\/02\/12\/480245.htm&quot;,&quot;author&quot;:&quot;L.S. Howard&quot;,&quot;category&quot;:&quot;international&quot;},{&quot;id&quot;:480391,&quot;title&quot;:&quot;Nebraska Lawmakers Eye State as Test Site for Self-Driving Cars&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/midwest\/2018\/02\/13\/480391.htm&quot;,&quot;author&quot;:&quot;Grant Schulte&quot;,&quot;category&quot;:&quot;midwest&quot;}]">

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    <h1>Hurricane Harvey Could Spur Congress to Act on Flood Insurance</h1>
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                By <a href="https://www.insurancejournal.com/author/suzanne-barlyn/" title="Posts by Suzanne Barlyn" class="author url fn" rel="author">Suzanne Barlyn</a> |                 <span class="the-date">August 28, 2017</span>    </div>
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        <p class="reuters">The destruction that heavy rain and floods from Hurricane Harvey could inflict on Texas would add to the pile of debt owed by a federal flood insurance program that is due to expire in September, advocacy groups said.</p>
<p>The National Flood Insurance Program (NFIP) owes $24.6 billion to the Treasury. Most of it covered claims from Hurricane Katrina in 2005, Superstorm Sandy in 2012, and floods in 2016, the program&#8217;s third most severe loss-year on record with losses exceeding $4 billion, according to the Federal Emergency Management Agency (FEMA), which manages it.</p><div class="bzn bzn-intext">
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<p>The NFIP was extended 17 times between 2008 and 2012 and lapsed four times in that period. A 2012 law extended the program to September.</p>
<p>The only source of flood insurance for most Americans, it will be in place for homeowners and businesses in Harvey&#8217;s path along the central Texas coast.</p>
<p>But Harvey-related claims covered under the program could push it deeper into the red and possibly toward its borrowing limit of just over $30 billion, said Steve Ellis, vice president of Taxpayers for Common Sense, a nonpartisan budget watchdog in Washington, D.C.</p>
<p>Federal law requires that homes in flood-risk areas have flood insurance before a mortgage can be completed. The program is the only flood insurance available to the vast majority of Americans, although a small market for private flood insurance is sprouting in flood-prone states such as Florida.</p>
<p>Homebuilders, the real estate industry, and property owners in coastal communities have also long favored the program, which offers subsidized rates to many policyholders.</p>
<p>Advocates for reforming the program, which is administered by FEMA, said that Harvey&#8217;s arrival so close to the program&#8217;s Sept. 30 expiration date could move lawmakers to action.</p><div class="bzn bzn-intext-2">
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<p>&#8220;It would be our hope that this storm lights a fire under Congress to make reforms to the program,&#8221; said Laura Lightbody, project director for flood preparedness at the Pew Charitable Trusts, a non-partisan public policy group.</p>
<p>&#8220;Right now, it&#8217;s not on a sustainable path and carries a lot of other problems with it,&#8221; Lightbody said. For example, she said, the program encourages development in flood-prone areas by making it easier to get insurance.</p>
<p>There are about 435,000 NFIP policyholders in shoreline communities of Texas, according to a Pew analysis of flood exposure data from the National Oceanic and Atmospheric Administration.</p>
<p>The NFIP would have to pay claims from premiums it receives, if it exhausts its current borrowing limit, Ellis said. That could slow down processing, unless Congress agreed to an increase. But it is unlikely that Harvey claims would wipe out NFIP&#8217;s borrowing authority, Ellis said.</p>
<p>The FEMA spokeswoman declined to comment on the NFIP borrowing limit or what would happen if it was exceeded.</p>
<h6>POLITICAL FIX?</h6>
<p>U.S. lawmakers have been considering legislative actions to reform the NFIP, including updating U.S. government flood zone maps, making more coverage available through private insurers and limiting or excluding coverage through the program for certain high risk properties.</p>
<p>The government has said it is impossible for the NFIP to repay its debt.</p>
<p>There is bipartisan support to modernize the program and Senate and House lawmakers have held at least six hearings this year about ways to do it. At the same time, many groups have been lobbying for special interests.</p>
<p>The National Association of Homebuilders said in June that it had worked with lawmakers to eliminate a provision from one bill that would have ended NFIP coverage for new homes constructed in so-called &#8220;100-year flood zones,&#8221; areas estimated to have a one percent chance of flooding each year.</p>
<p>Professional risk managers are among those pushing Congress to extend the program beyond September to buy time for reforms.</p>
<p>Many businesses and institutions have building loans and leases that require NFIP flood policies, which would not be in effect if the program lapses, said Elizabeth Guimaraes, risk management director at Nova Southeastern University in Fort Lauderdale, Florida.</p>
<p>&#8220;We&#8217;re talking all across the board, people not being in compliance with loans and leases. It&#8217;s a huge problem,&#8221; said Guimaraes, who is also a spokeswoman for the Risk Management Society (RIMS).</p>
<p>Harvey&#8217;s timing may hasten congressional response. &#8220;These disasters do clarify the mind about the program,&#8221; Ellis said.</p>
<p><em>(Editing by Kevin Drawbaugh)</em></p>
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        <div id="comment-4592747" class="comment even thread-even depth-1 ckrating_highly_rated">
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                                    August 28, 2017 at 1:46 pm                                            </div>
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                <img alt='' src='https://secure.gravatar.com/avatar/5773b9ca206706d8785fa1c64b5a65f1?s=40&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/5773b9ca206706d8785fa1c64b5a65f1?s=80&#038;d=mm&#038;r=g 2x' class='avatar avatar-40 photo' height='40' width='40' />                <cite class="fn">Dave</cite> <span class="says">says:</span>            </div>
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                <div class="CommentRating">Well-loved. Like or Dislike:<div class="left"><img style="padding: 0px; margin: 0px; border: none; cursor: pointer;" id="up-4592747" src="https://www.insurancejournal.com/app/plugins/comment-rating-pro/images/1_16_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('4592747', 'add', 'www.insurancejournal.com/app/plugins/comment-rating-pro/', '1_16_');" title="Thumb up" /> <span id="karma-4592747-up" style="font-size:12px; color:#009933;">11</span><div class="right"><img style="padding: 0px; margin: 0px; border: none; cursor: pointer;" id="down-4592747" src="https://www.insurancejournal.com/app/plugins/comment-rating-pro/images/1_16_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('4592747', 'subtract', 'www.insurancejournal.com/app/plugins/comment-rating-pro/', '1_16_')" title="Thumb down" /> <span id="karma-4592747-down" style="font-size:12px; color:#990033;">0</span></div></div></div><div style="background-color:#FFFFCC !important"><p>Why does this program have to stop? Read these two lines from the article:</p>
<p>&#8220;Homebuilders, the real estate industry, and property owners in coastal communities have also long favored the program, which offers subsidized rates to many policyholders.&#8221;</p>
<p>&#8220;“Right now, it’s not on a sustainable path and carries a lot of other problems with it,” Lightbody said. For example, she said, the program encourages development in flood-prone areas by making it easier to get insurance.&#8221;</p>
<p>Subsidized rates? Who pays for that? Taxpayers who choose not to buy properties in flood-prone areas.</p>
<p>And why would anybody want to encourage more development in flood-prone areas? </p>
<p>It&#8217;s time stop the madness and let those who choose to make bad decisions pay for their choices and not the government and other taxpayers. This is crazy!</p>
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        <div id="comment-4610212" class="comment odd alt thread-odd thread-alt depth-1">
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                                    September 9, 2017 at 9:00 pm                                            </div>
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                <img alt='' src='https://secure.gravatar.com/avatar/2e17cc81707cf2d97491d38be4daa90e?s=40&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/2e17cc81707cf2d97491d38be4daa90e?s=80&#038;d=mm&#038;r=g 2x' class='avatar avatar-40 photo' height='40' width='40' />                <cite class="fn">cruz</cite> <span class="says">says:</span>            </div>
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                how do I get flood insurance            </div>

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        <li id="li-comment-4596997">
        <div id="comment-4596997" class="comment even thread-even depth-1">
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                                    August 31, 2017 at 4:15 pm                                            </div>
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                <img alt='' src='https://secure.gravatar.com/avatar/fd78938082b14eda8e37766a4e7d2f36?s=40&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/fd78938082b14eda8e37766a4e7d2f36?s=80&#038;d=mm&#038;r=g 2x' class='avatar avatar-40 photo' height='40' width='40' />                <cite class="fn">Agent</cite> <span class="says">says:</span>            </div>
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                Sherriff, wonder if Flood will cover looting losses going on this week and next?  Perhaps a broader form is needed.            </div>

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        <div id="comment-4594552" class="comment odd alt thread-odd thread-alt depth-1">
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                                    August 29, 2017 at 5:17 pm                                            </div>
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                <img alt='' src='https://secure.gravatar.com/avatar/aecbdc06f6e67f89e224588d4bd68944?s=40&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/aecbdc06f6e67f89e224588d4bd68944?s=80&#038;d=mm&#038;r=g 2x' class='avatar avatar-40 photo' height='40' width='40' />                <cite class="fn">Doug Fisher</cite> <span class="says">says:</span>            </div>
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                As they should be. Going to be a lot of "100-year" floods and storms in the next decade. Book it.            </div>

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