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Produced by - Tharki Engineer / Loveonfloor
Edited by - Tejpratap singh
If the residents are concerned aboutthe flooding, however, that is not always top of mind. Most of the time, peopledon't think they need it. Sometimes even people thinkthey already have it. That's a big misinformation in termsof flood insurance because most people think
it's part of theirhomeowner's policy when it's not. In 2018, only 15 percent ofAmerican homeowners had flood insurance. 60 percent of Floridian homeowners didnot have flood insurance when Hurricane Irma hit. Federal grants, loans and floodinsurance payments to Florida following the storm have totaled overfive point eight billion dollars. It's estimated that 80 percent of thedamage to all impacted areas was not covered by flood insurance. Conversely, those who do purchase floodinsurance may feel emboldened to live in riskier locations. A mortgage lender may require floodinsurance, but since that can be provided at a relatively low cost thanksto the NFIP, people don't assume the full risk for livingin a dangerous location. We're causing a false incentive onpeople to live in riskier areas. And really, the cost then spreadsthroughout the government and to all Americans and taxpayers. And prior to 2012, flood insurancepremiums were kept artificially low because people with homes built beforethe NFIP was established were not required to purchase flood insurance.
It has affected mostlythe Pre-FIRM homes. They a lot of those homeshave been receiving a subsidy. Congress then created a group of people,about 20 percent of the policies that are discounted. So by law, they pay lessthan their full risk rate. So a lot of people think, youknow, I don't have flood insurance. If I have a flood, it's OK. Female just, you know, give me moneythat it's not how it works. In order to be eligible for the FEMAgrants and everything, you have to be a part of the NFIP. In 1968, the NFIP or anational flood insurance program was created. It has the fundamental structure sothat we, yes, make insurance available. But we do a few other thingswith the National Flood Insurance Program. In twenty two thousand four hundredcommunities, we have approximately five million policyholders, right. A trillion point three insurancecoverage in those communities generate roughly four point fivebillion dollars in revenue. So it's a multi faceted government programthat has a number of very important objectives.
