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Risk-Priced Insurance
Risk-based, actuarial pricing for insurance is needed to ensure effective and fiscally-sound protection against losses from natural disasters. Risk-based rates ensure that those most at-risk bear the costs and understand their real risks. This promotes safe building and development, encourages mitigation, and protects the environment.
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Mitigation
People who live in harm's way should be encouraged to protect themselves and their communities from natural disasters. Incentives, such as tax credits, should be given for measures that strengthen the ability of properties to withstand damage from natural disasters.
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Flood Reform
The National Flood Insurance Program (NFIP) must be reformed to ensure the program can continue to function, to better protect people, their property and the environment, and to protect taxpayers. NFIP must be based on accurate maps, must charge risk-based rates, and must encourage mitigation.
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Our Mission
SmarterSafer.org is a national coalition that is made up of a diverse chorus of voices united in favor of environmentally-responsible, fiscally-sound approaches to natural catastrophe policy that promotes public safety.
