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flood insurance

   Also found in: Wikipedia 0.01 sec.
flood insurance

The popular name for the National Flood Insurance Program (www.floodsmart.gov) administered by the Mitigation Division of the Federal Emergency Management Agency.Flood insurance is intended as an alternative to disaster assistance,by providing better assistance at cheaper net costs to the government. Policies are available in three forms: dwelling (most homes), general property (apartments and businesses), and residential condominium association. They cover structural damage; furnaces, water heaters, and air conditioners; flood debris cleanup;and floor surfaces such as carpeting and tile.



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insurers are pondering the fate of the National Flood Insurance Program as the nation faces related problems on three different fronts.
The maps are important in determining flood insurance rates and eligibility, levy certification, planning and zoning, Lenaburg said.
The National Association of Home Builders has told Congress that it supports efforts to reform the National Flood Insurance Program to ensure its long-term financial stability, but cautioned against an overreaction to unusual circumstances surrounding last year's devastating hurricane season.
 
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