It’s wise for the National Flood Insurance Program to delay until 2021 a new initiative that would adjust flood insurance rates for property owners.

But it would be unwise to continue pretending the troubled, federally administered flood insurance program has nothing but a rate problem. That’s only part of it. It also has a participation problem.

 Laura Elder: 409-683-5248;

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(4) comments

Susan Fennewald

It seems that they lose money on each homeowner in this area who buys flood insurance - with the damages paid far exceeding the premiums collected. So, the flood insurance program would be better off if no one bought any.

John Merritt

Susan, please correct me if I am wrong. But my impression is that policy holders received the limits of their policies but people with no insurance were paid out to meet their needs.

Susan Fennewald

Well... for one thing the payout in charity relief is NOT part of the flood insurance program. I'm sure there were lots of people who overly benefited from the relief, and lots who went in need, after Ike. I thought I read somewhere that the rules had changed somewhat by the time Harvey came around - and the charity relief was NOT available to those who lived in a flood zone but did NOT have flood insurance. (It was available to those who lived outside a flood zone but still got flooded even though they didn't have insurance.) Does anyone know if this is true?

Mary Gillespie


As long as people who DON'T purchase flood insurance are paid off after a flood, there will be no incentive to purchase flood insurance.

Stop the payouts to the uninsured, and watch insurance rates soar.

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