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<br />development, and accept responsibility for their actions. A sliding cost-share policy <br />would encourage and reward good State and local floodplain management programs. <br />The non-Federal share of disaster assistance costs should be reduced in communities <br />where State and local efforts are mitigating natural hazards, including the flood hazard. <br /> <br />B. For individuals, Federal financial assistance for flood losses should be based on the <br />individual's demonstrated willingness to mitigate risk. Flood insurance is the best <br />means of accomplishing this. Federal monetary assistance for individuals living in <br />identified flood hazard areas should be based on whether they had a flood insurance <br />policy before the disaster. The total amount of assistance received by an individual <br />should be reduced (or a portion of it converted to loans) to reflect the amount of damage <br />that would have been covered by a flood insurance policy. <br /> <br />C Mitigation grants should be made available to policyholders who take steps to mitigate <br />their flood risks. <br /> <br />D Agricultural losses constitute more than half of the flood damage paid for by taxpayers. <br />Agricultural properties subject to repeated flooding should be denied subsidized <br />insurance and flood disaster payments if their owners refuse offers to purchase <br />permanent easements. <br /> <br />E. Public assistance should be withheld from the damaged floodplain areas of communities <br />not enrolled in the NFIP. <br /> <br />F. Mapping costs incurred by local communities could be "banked" as a cost-share <br />payment on future disaster assistance. <br /> <br />G. Land use incentives such as density tradeoff should be promoted. <br /> <br />5. D.~elop more effective methods to communicate risk to citizens and communities so that <br />ril'k information is accurate, easy to understand, meaningfu~ and accessible. <br /> <br />It is widely agreed that citizens and local officials are unaware of the flood hazard risks in <br />their communities. Confusing tenninology, inaccurate data, and complicated risk <br />information are cited as some of the reasons. Increased awareness of the flood hazards and <br />risks may increase public support for improved floodplain management and lead to an <br />inc:rease in the number of flood insurance policies. <br /> <br />A Use terminology such as "I-percent chance flood" or "high-risk flood" area instead of <br />the confusing terminology "100-year floodplain." <br /> <br />B. Display flood hazard and risk information on the Internet. <br /> <br />Floodplain Management Forum <br /> <br />8 <br />