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The National Flood Insur. Program (NFIP) had to borrow from the U.S. Treasury to cover losses from the 2005 hurricanes. The outstanding debt is $17.8 billion as of March 2011. This sizable debt, plus operational and mgmt. challenges at FEMA, which administers NFIP, have kept the program on the high-risk list. NFIP¿s need to borrow to cover claims in years of catastrophic flooding has raised concerns about the program¿s long-term financial solvency. This testimony: 1) discusses ways to place NFIP on a sounder financial footing in light of public policy goals for fed. involvement in natural catastrophe insur.; and 2) highlights operational and mgmt. challenges at FEMA that affect the program. This is a print on demand report.
In recent years, much attention has been focused on the roles that the private sector and federal government play in providing insurance and financial aid before and after catastrophic events. In this context, the authors examined (1) the rationale for and resources of federal and state programs that provide natural catastrophe insurance; (2) the extent to which Americans living in catastrophe-prone areas of the United States are uninsured and underinsured, and the types and amounts of federal payments to such individuals since the 2005 hurricanes; and (3) public policy options for revising the federal role in natural catastrophe insurance markets.
This book examines the behavior of individuals at risk and insurance industry policy makers involved in selling, buying and regulation.
Flood Insurance: Public Policy Goals Provide a Framework for Reform
In the devastation that follows a major disaster, there is a need for multiple sectors to unite and devote new resources to support the rebuilding of infrastructure, the provision of health and social services, the restoration of care delivery systems, and other critical recovery needs. In some cases, billions of dollars from public, private and charitable sources are invested to help communities recover. National rhetoric often characterizes these efforts as a "return to normal." But for many American communities, pre-disaster conditions are far from optimal. Large segments of the U.S. population suffer from preventable health problems, experience inequitable access to services, and rely on overburdened health systems. A return to pre-event conditions in such cases may be short-sighted given the high costs - both economic and social - of poor health. Instead, it is important to understand that the disaster recovery process offers a series of unique and valuable opportunities to improve on the status quo. Capitalizing on these opportunities can advance the long-term health, resilience, and sustainability of communities - thereby better preparing them for future challenges. Healthy, Resilient, and Sustainable Communities After Disasters identifies and recommends recovery practices and novel programs most likely to impact overall community public health and contribute to resiliency for future incidents. This book makes the case that disaster recovery should be guided by a healthy community vision, where health considerations are integrated into all aspects of recovery planning before and after a disaster, and funding streams are leveraged in a coordinated manner and applied to health improvement priorities in order to meet human recovery needs and create healthy built and natural environments. The conceptual framework presented in Healthy, Resilient, and Sustainable Communities After Disasters lays the groundwork to achieve this goal and provides operational guidance for multiple sectors involved in community planning and disaster recovery. Healthy, Resilient, and Sustainable Communities After Disasters calls for actions at multiple levels to facilitate recovery strategies that optimize community health. With a shared healthy community vision, strategic planning that prioritizes health, and coordinated implementation, disaster recovery can result in a communities that are healthier, more livable places for current and future generations to grow and thrive - communities that are better prepared for future adversities.
“This is a timely book... [It] should be mandatory reading..." — Minnesota Star Tribune More severe storms and rising seas will inexorably push the American coastline inland with profound impact on communities, infrastructure, and natural systems. In A New Coast, Jeffrey Peterson draws a comprehensive picture of how storms and rising seas will change the coast. Peterson offers a clear-eyed assessment of how governments can work with the private sector and citizens to be better prepared for the coming coastal inundation. Drawing on four decades of experience at the Environmental Protection Agency and the United States Senate, Peterson presents the science behind predictions for coastal impacts. He explains how current policies fall short of what is needed to effectively prepare for these changes and how the Trump Administration has significantly weakened these efforts. While describing how and why the current policies exist, he builds a strong case for a bold, new approach, tackling difficult topics including: how to revise flood insurance and disaster assistance programs; when to step back from the coast rather than build protection structures; how to steer new development away from at-risk areas; and how to finance the transition to a new coast. Key challenges, including how to protect critical infrastructure, ecosystems, and disadvantaged populations, are examined. Ultimately, Peterson offers hope in the form of a framework of new national policies and programs to support local and state governments. He calls for engagement from the private sector and local and national leaders in a “campaign for a new coast.” A New Coast is a compelling assessment of the dramatic changes that are coming to America’s coast. Peterson offers insights and strategies for policymakers, planners, and business leaders preparing for the intensifying impacts of climate change along the coast.
Prepared by the Interagency Task Force on Floodplain Management. Includes National Flood Insurance Program.