![]() Proposed changes to base flood elevations and flood zones contained in proposed FEMA Flood Insurance Rate Maps (FIRMs), along with the previous changes to the NFIP, had created conditions in which flood insurance rates would increase to actuarial costs over a period of five years after map adoption. Changes made in the Biggert-Waters Flood Insurance Reform Act of 2012 had threatened to harm the very citizens the program was designed to protect.
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