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Affordability of National Flood Insurance Program premiums. Report 2 /
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| 자료유형 | E-Book |
|---|---|
| 단체저자명 | National Academies of Sciences, Engineering, and Medicine (U.S.). Committee on Affordability of National Flood Insurance Program Premiums,issuing body. National Academies of Sciences, Engineering, and Medicine (U.S.). Committee on National Statistics,issuing body. National Academies of Sciences, Engineering, and Medicine (U.S.). Water Science and Technology Board,issuing body. National Academies of Sciences, Engineering, and Medicine (U.S.). Board on Mathematical Sciences and Their Applications,issuing body. |
| 서명/저자사항 | Affordability of National Flood Insurance Program premiums.Report 2 /Committee on Affordability of National Flood Insurance Program Premiums ; Water Science and Technology Board. Division on Earth and Life Studies ; Board on Mathematical Sciences and Their Applications. Division on Engineering and Physical Sciences ; Committee on National Statistics. Division on Behaviorial and Social Sciences and Education, the National Academies of Sciences, Engineering, Medicine. |
| 발행사항 | Washington, DC : the National Academies Press, [2016] |
| 형태사항 | 1 online resource (xiv, 134 pages) |
| ISBN | 9780309380782 0309380782 |
| 서지주기 | Includes bibliographical references (pages 89-91). |
| 내용주기 | Introduction -- An approach to policy evaluation for the National Flood Insurance Program -- Data for analyses of National Flood Insurance Program Policy options -- Analytical next steps and further findings for affordability policy options -- References -- List of acronyms -- Appendix A: Affordability of National Flood Insurance Program premiums: report 1 summary -- Appendix B: Recent reports produced by the Government Accountability Office and the Congressional Research Service -- Appendix C: Biggert-Waters Flood Insurance Act of 2012-Section 100236 -- Appendix D: Homeowner Flood Insurance Affordability Act of 2014-Section 16 -- Appendix E: Biographical sketches of Committee members -- Appendix F: Letter to the Committee from Senator Mary L. Landrieu, Louisiana -- Appendix G: American Community Survey 5-year data products -- Appendix H: Tables of data fields found in the NFIP policy database October 2013 version -- Appendix I: Task statements for affordability of National Flood Insurance Program premiums - Report 1 and Report 2. |
| 요약 | When Congress authorized the National Flood Insurance Program (NFIP) in 1968, it intended for the program to encourage community initiatives in flood risk management, charge insurance premiums consistent with actuarial pricing principles, and encourage the purchase of flood insurance by owners of flood prone properties, in part, by offering affordable premiums. The NFIP has been reauthorized many times since 1968, most recently with the Biggert-Waters Flood Insurance Reform Act of 2012 (BW 2012). In this most recent reauthorization, Congress placed a particular emphasis on setting flood insurance premiums following actuarial pricing principles, which was motivated by a desire to ensure future revenues were adequate to pay claims and administrative expenses. BW 2012 was designed to move the NFIP towards risk-based premiums for all flood insurance policies. The result was to be increased premiums for some policyholders that had been paying less than NFIP risk-based premiums and to possibly increase premiums for all policyholders. Recognition of this possibility and concern for the affordability of flood insurance is reflected in sections of the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA 2014). These sections called on FEMA to propose a draft affordability framework for the NFIP after completing an analysis of the efforts of possible programs for offering "means-tested assistance" to policyholders for whom higher rates may not be affordable. BW 2012 and HFIAA 2014 mandated that FEMA conduct a study, in cooperation with the National Academies of Sciences, Engineering, and Medicine, which would compare the costs of a program of risk-based rates and means-tested assistance to the current system of subsidized flood insurance rates and federally funded disaster relief for people without coverage. Production of two reports was agreed upon to fulfill this mandate. This second report proposes alternative approaches for a national evaluation of affordability program policy options and includes lessons for the design of a national study from a proof-of-concept pilot study. |
| 주제명(단체명) | National Flood Insurance Program (U.S.) |
| 일반주제명 | Flood insurance -- United States -- Costs. Insurance premiums -- United States -- Costs. Flood insurance -- Government policy -- United States. BUSINESS & ECONOMICS / Insurance / Risk Assessment & Management |
| 언어 | 영어 |
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