re: The changes being proposed for flood insurance would be a big hit for the gulf coast

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What do you want the NFIP to do about the big ticket items? Seems to me the best thing they can do is shore up their upside-down program, which it seems they are trying to do.

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Solution is simple.

Shore up the program from every day claims and try to build up a reserve fund. In the event of a catastrophic disaster, the federal government should step in an pay those claims as reinsurance. After most natural disasters the federal government steps in and provides emergency assistance.

They should also invest in communities and build flood control structures to prevent flooding issues.

And give proper credit to communities that have built successfully systems that save the program money. With as bad as Hurricane Ida was, there were few if any claims within that system. Had that system failed there would have been thousands of more flood claims, than just wind claims. Most of that system was improved using mainly local and state dollars.