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

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After most natural disasters the federal government steps in and provides emergency assistance.

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Isn't NFIP already tied to FEMA?

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

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This is already ongoing. They make grants available for states and communities. Sometimes that money is not spent in a timely manner, like here in Baton Rouge.

I wish more types of insurance would also adopt an FSA/HSA type model. You still have coverage for major catastrophes, with a chunk of your premium going into an account to build up a personally safety net. This would cut down on the claims waiting game, and allow a policy holder to dip into the insurance savings account and pay for work right away.