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<br />E. Begin to phase out pre-FIRM subsidies (especially on nonprimary residences). <br /> <br />F. Provide greater incentives for insurance agents to promote flood insurance. <br /> <br />G. "Redline" floodways and velocity zones-no flood insurance to new and rebuilt <br />structures in these areas. <br /> <br />H. Flood insurance coverage must perform like homeowner coverage. <br /> <br />. Although the insurance industry has eliminated coinsurance penalties by insuring <br />only to value (i.e., 100 percent of replacement cost), the NFIP's insurance contract <br />still contains a penalty for insuring for less than 80 percent of replacement cost. <br />Unless the NFIP changes, fewer premium dollars will flow into the Flood <br />Insurance Fund and more taxpayer dollars will flow from disaster assistance. <br /> <br />. Coverage should include additional living expenses. Flood victims should not <br />continue to look to Federal disaster assistance for temporary housing needs. <br /> <br />1. Provide incentives, such as rating discounts and credits, for individual property owners <br />who employ flood mitigation techniques. <br /> <br />Floodplain Management Forom <br /> <br />12 <br />