Why Sandy Homeowners Were Left In The Lurch. This is one effort to explain the many problems with the National Flood Ins. Program and what FEMA’s remedial actions are so far.
Thanks to Bill Cumming for the citation.
Recovery Diva
Long-Term Recovery from Disasters
Recovery Diva 
Not to be too cynical, but … Since the NFIP rate structure didn’t match the risk, people probably actually got what they paid for even though less than was promised.