Chris Van Hollen actually said...

smaller communities do not have any lesser risks, but they often have a lot less resources.

So why would we penalize policyholders when there are runaway expenses of the NFIP?

In Maryland, that standard has not been sufficient to cover the risks that are due to changes in rainfall and climate change.

The reality is, the more you put onto the back of the policyholder, the most people leave the program altogether.