Flood insurance for some could be in limbo - MSNewsNow.com - Jackson, MS

Flood insurance for some could be in limbo

By Ashley Conroy

JACKSON, MS (WLBT) -- For the third time this year, Congress has failed to reinstate the National Flood Insurance Program (NFIP) leaving some potentially at risk from costly flood damage.

A Federal Emergency Management Agency (FEMA) report shows shortcomings can be anything from a current policy holder increasing their premium, to a policy holder having to renew their status, to someone wanting to purchase a new policy altogether.

Senator Thad Cochran released this statement about the lapse in NFIP:

"Hurricane Katrina, in addition to subsequent hurricanes and flood disasters, exposed weaknesses in the National Flood Insurance Program. Unfortunately, Congress has yet been able to reach a consensus on how best to correct those shortcomings. As a result, those who depend on this insurance program have to deal with multiple short-term extensions to the existing program."

With hurricane season underway, the Mississippi Insurance Department is not only concerned about residents along the coast, but say even hundreds of miles inland can be affected.

Property and Casualty Director, John Wells says for many this comes at a difficult time.

"It couldn't come at a worse time, and we've got a situation where they're already stressed out about the oil spill," Wells said.

The state insurance department also reports 25-percent of all flood insurance claims come from low-to-moderate risk areas, and rainfall from hurricanes can strike hundreds of miles inland.

According to the Mississippi Emergency Management Agency (MEMA), Mississippi ranks fifth in the nation for structural damage because of flooding.

Wells says the one silver lining is that those who filed during the lapse should be reinstated.

"My understanding is that those applications will honored back to that date, and the policy should be issued once the program is turned back on," Wells said.

For additional information about the lapse in NFIP's reauthorization status go to:


For information on how to apply for flood insurance or check your current status go to:




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