The National Flood Insurance Program

In a recent news report, a Florida couple stated that the cost of flood insurance for their home was being raised from a yearly rate of $1,700 to nearly $12,000. Wow. No wonder the government stopped airing that commercial touting its affordable flood insurance – rates starting at $129 a year, wasn’t it?

The chair of the couple’s local realtors organization stated that the rate increases will bring real estate sales in risky areas to a screeching halt.

The reason for the rate increase is the Flood Insurance Reform Act, which Congress passed last year. It seems the National Flood Insurance Program (NFIP), which is run by the Federal government, is $27 billion in debt; however, pricing homeowners out of their homes is not only immoral but it seems a bad idea for the overall economy. Actually, a bunch of empty houses isn’t good for anyone.

In light of this couple’s story, I decided to learn more about the flood insurance program.

A PDF of the self-proclaimed non-technical version of answers to questions about the program can be found here. It’s 70 pages long. Similar documents from the private sector are rarely that long. The only thing the government has mastered is inefficiency.

Anyway, according to Wikipedia:

The National Flood Insurance Program (NFIP) is a program created by the Congress of the United States in 1968 through the National Flood Insurance Act of 1968 (P.L. 90-448). The program enables property owners in participating communities to purchase insurance protection from the government against losses from flooding. This insurance is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. As of April 2010, the program insured about 5.5 million homes, the majority of which were in Texas and Florida.

This entry supports the popular assertion that certain coastal areas in Texas and Florida should not be populated. It’s heard each time these states are hit with a major hurricane. However, the government’s loss statistics reveal that there have been massive payouts nationwide, to all 50 states and American territories. As of June 30, 2013, total payments since 1978 were $49,728,241,472.51. Payouts to New Jersey and New York each exceed those paid to Florida, and Louisiana’s $16,654,055,941.93 payout far exceeds what’s gone to Texas.

Therefore, the question arises, do the global elite want us out of certain coastal areas? According to a NOAA report, in 2003, 53% of the U.S. population lived in coastal counties. Using typical Agenda 21 language, the report states:

Although population increase and coastal development produce numerous economic benefits, they also may result in the loss of critical habitat, green space, and biodiversity.

Are the enormous increases in the government’s flood insurance program designed to get people out of coastal areas? Will those areas eventually be inhabited by the global elite? Will they live in mansions by the sea, or overlooking rivers and lakes, while the rest of us live in urban Agenda 21 cities? I wrote about those in a previous post.

According to the flood program’s info booklet:

Participation in the NFIP is based on an agreement between local communities and the Federal Government that states that if a community will adopt and enforce a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas (SFHAs), the Federal Government will make flood insurance available within the community as a financial protection against flood losses.

In other words, if local governments hand over more authority to the Federal government, the Feds will offer this wonderful flood insurance, which is now ruining the lives of some homeowners and may eventually affect the entire U.S. economy.

So, who runs the program?

The NFIP is administered by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS).

Who wouldn’t want the Department of Homeland Security handling their flood insurance? Doesn’t it sound like a really bad joke? FEMA’s also making decisions regarding which areas of the nation are at risk for floods.

According to the brochure, FEMA identifies those areas on Flood Insurance Rate Maps (FIRMs). However, areas not yet identified by a FIRM may be mapped on Flood Hazard Boundary Maps (FHBMs), which identify additional areas of alleged flood hazards.

The FHBMs include the Special Flood Hazard Area (SFHA). As stated in the brochure, “The SFHA is a high-risk area defined as any land that would be inundated by a flood having a 1-percent chance of occurring in a given year.”

A 1% chance is high risk? According to FEMA, yeah it is.


Flood insurance is required for insurable structures within high-risk areas to protect Federal financial investments and assistance used for acquisition and/or construction purposes within communities participating in the NFIP.

The official story is that all at once, private insurers stopped offering flood insurance. Therefore, the Federal government stepped in and now flood insurance is only available through them, although private companies may deliver and service the policies. However, no matter where you obtain the insurance, the rates are determined by the government.

So, since only the government offers the insurance and only offers it to communities that participate in the NFIP, if you’re in a community participating in the NFIP, you’re stuck with insurance premiums. If you’re not in a community participating in the NFIP and your home is flooded, then you have to either pay for repairs or hope the government will help you out. Which is better? Or, which is worse? If you take (or rather, your community leaders decide to take) government help, you’ll have to start buying FEMA flood insurance:

The National Flood Insurance Reform Act of 1994 requires individuals in SFHAs who receive disaster assistance after September 23, 1994, for flood disaster losses to real or personal property to purchase and maintain flood insurance coverage for as long as they live in the dwelling.

The level of your insurance coverage and the amount of your payments will depend on your community’s level of cooperation with NFIP regulations. If the government ever discovers your community has committed violations, your community will be placed on probation and “a surcharge is added to the premium for each policy sold or renewed in the community” for an entire year. Communities may also face suspension, wherein new policies will not be written and existing policies will not be renewed. Communities with the highest level of commitment to the program receive the largest premium discounts.

This webpage will allow you to find which cities are participating in the program:

For some reason, the website housing the many different FEMA maps is down. Perhaps this is because they’re monkeying with them. As mentioned in a previous post, they’ve been redrawing the maps since hurricane Sandy. They’re adding areas that “could be” at risk. Does that mean those areas have less than a 1% chance of perhaps flooding someday?

As with most things the government does, this insurance scheme is disturbing. Counties have given control of their land to FEMA, a division of Homeland Security. FEMA determines who will pay insurance fees to them and what those fees will be. Now that homeowners are at their mercy, they raise some prices so high that some families will have to forfeit their homes, thus forcing some real estate markets and neighborhoods into ruin.

A community’s act of joining a government program such as this is akin to an individual selling his soul to satan. The Bible says that satan is a liar who comes to steal, kill, and destroy. Let’s take a minute to remember what FEMA represents.

FEMA executive orderssign for mock internment camp

Don’t forget that FEMA is part of DHS.

DHS troops

See what they purchased along with 1.6 billion hollow point bullets?

FEMA targets

Target practice on photos of a pregnant woman and a child seems demonically inspired.

Is anyone pleased that their community welcomed a union with this devil?

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