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One thing that is clear is that many should be worried about the affordability of the rate increases, something that has both of Louisiana senators concerned.

Landrieu already has sponsored an amendment, which Vitter co sponsored, that would have delayed the rate increase until the Federal Emergency Management Program finished an affordability study and the results Nike Womens Sweatshirt No Hood

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At issue, at least in part, is the FEMA maps aren taking into full account the local levees and protection systems because they not federally certified, another Landrieu staffer said.

provisions meant to keep home owners from including the subsidized rates in a sale.

All of those rates will rise until they reach their full, true risk.

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And Tuesday, Landrieu submitted reform legislation to delay premium increases while also repealing Nike Sweatshirt Grey Mens

The rates are slated to go up either 20 or Nike Hoodies Cheap 25 percent depending on whether the insurance is subsidized or grandfathered. According to an aide for Sen. Mary Landrieu D La., a subsidized rate is one that covers a building built before the NFIP issued a flood rate map in the community where the property sits. A grandfathered rate, on the Nike Sweatshirt Kids

In other words, a home could see the double effect of having its flood insurance raise because of the Biggert Waters Act and the FEMA flood mapping update. The 20 or 25 percent increase will be based on what the new flood map says rather than the old rate. If the property is found to be farther beneath the flood level than before, the rate will go up more than if it found to be above flood level.

Additionally, prior rates won be transferred upon sale or lapse of policy; the rates will immediately rise to the full risk amount.

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studied.

Affordable National Flood Insurance Plan still being sought

Beginning this past January, second homes that were receiving subsidized insurance rates saw 25 percent increase from their base rate.

In October, businesses as well as those buildings deemed to be severe repetitive loss properties will see a 25 percent increase.

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As it stands the timeline remains.

Meanwhile, the Federal Emergency Management Agency is tasked with re working flood maps, something that currently happening in the greater New Orleans area.

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Landrieu along with Sen. David Vitter R La., are concerned the stabilization of the program could come out of the wallets of their constituents, some of whom can afford it.

other hand, was granted to policies that were built to code based on a prior flood rate map after a new one was released.

The rate increases, of which some began in January, are tied to the Biggert Waters Flood Insurance Reform Act of 2012, which was passed into law in last July as part of the larger Transportation Bill. It meant to make the National Flood Insurance Program (NFIP) sustainable in the face of increasingly expensive natural disasters.

That bill, however, didn make it after Sen. Pat Toomey R Pa., objected to a vote on it.

And beginning in October 2014, those properties whose rates are considered grandfathered will begin to rise 20 percent per year.

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Landrieu already has announced in the Senate plans to file more amendments to help fix what she believes is a problem with the way the NFIP currently exists. Landrieu has not released full details of what her plan would entail to take pressure off policyholders while also keeping the NFIP properly funded, though part of it includes FEMA including non federal levees and protection systems in their mapping.

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This could make selling a house more difficult, certainly a worry for homeowners, a Landrieu aide said.

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