02/15/2011
https://congress.gov...
"The reality is, the more you put onto the back of the policyholder, the most people leave the program altogether."
"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."
"[D]isasters disproportionately affect those who are already socio-economically marginalized in a community, subjecting them to even greater depths of poverty."