Smart Views

Flood Insurance Principles
The National Flood Insurance Program (NFIP) is seriously broken and in need of substantial reforms and improvements. SmarterSafer offers the following basic principles to help guide future reform efforts.
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SmarterSafer.org Urges President Obama to Include Mitigation Measures in “Cash for Caulkers” Legislation
Letter to President Obama urging him to consider including mitigation measures in the “Cash for Caulkers” effort that will help strengthen homes from natural disasters instead of simply making them energy efficient.
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Increased Flooding Risk: Global Warming’s Wake-Up Call for Riverfront Communities
Explains the bigger picture and provide recommendations for how to cope with projected changes and how to avoid the worst impacts of global warming.
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The Economic Case Against a Federal Backstop for Natural Disaster Risks
Paper describes how the private catastrophe insurance market has performed well through a sequence of major catastrophes. It also addresses economic arguments about why government’s role should be focused on loss prevention and mitigation rather than “crowding out” a well-functioning private market.
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Americans for Smart Natural Catastrophe Policy
Letter to the Conference Committee on H.R. 3121 urging rejection of House language adding wind insurance and adoption of Senate language creating commission. (September 8, 2008)
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Consumer Federation of America
Letter from the Consumer Federation of America distributed to all U.S. Senators opposing amendments to cover wind losses or to offer subsidies to insurers for catastrophic insurance. (May 6, 2008)
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Ohio Floodplain Management Association
Letter from the Ohio Floodplain Management Association distributed to all U.S. Senators opposing any amendment that would add wind coverage to a National Flood Insurance Program policy. (April 16, 2008)
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Taxpayers for Common Sense
Letter from Taxpayers for Common Sense urging U.S. Senators to oppose any amendment that would add wind coverage to a National Flood Insurance Program policy. (May 7, 2008)
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Council for Citizens Against Government Waste
Letter from the Council for Citizens Against Government Waste to U.S. Senators opposing amendments that will expand the NFIP to include wind damage coverage or create new federal catastrophe loans or reinsurance and insurance programs. (May 6, 2008)
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Coalition of Free Market Groups
Letter from the Coalition of Free Market Groups distributed to U.S. Senators in opposition of adding windstorm coverage to the National Flood Insurance Program, creating a federal reinsurance backstop, or providing low interest loans to state catastrophe funds. (May 6, 2008)
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National Flood Insurance and Natural Catastrophe Insurance Resolution
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Americans For Smart Natural Catastrophe Policy and Other Signatories
Letter in opposition to the addition of windstorm damage coverage or S. 2310 provisions to current NFIP reauthorization legislation.
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National Wildlife Federation
Letter in opposition to H.R. 3355.
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Defenders of Wildlife, The Florida Coalition for Preservation, League of Conservation Voters, National Environmental Trust, National Wildlife Federation, Sierra Club, and The Wilderness Society
Letter expressing concern regarding the potential subsidies for risky development that H.R. 3355 would provide to states.
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Council for Citizens Against Government Waste
Letter in opposition to H.R. 3355 and H.R. 3121.
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American Academy of Actuaries
Letter describing the financial instability that would result from the expansion of the NFIP to include wind damage coverage.
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American Insurance Association
Letter in opposition to H.R. 3121.
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Consumer Federation of America
Letter in opposition to the expansion of the NFIP to include wind damage coverage.
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Reinsurance Association of America
Letter in opposition to H.R. 3121.
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What Others Are Saying …
Key Legislators, Policy Influencers and Editorialists Speak Out.
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