See this USAtoday article, written by two former FEMA Administrators: National Flood Insurance Program is a deluge of damaging policy. Congress must rebuild it. Right now, our country is using yesterday’s policies and standards to pay for today’s floods with tomorrow’s money. It can’t be fixed with more debt.
Recovery Diva
Long-Term Recovery from Disasters
Recovery Diva 
I am thankful someone is willing to speak the truth about this program. Build on or anywhere near the coast, you will be flooded. Rebuild near the coast – same old thing over and over and over again. It’s time to smarten up, folks.