Some thoughts, this might be a start, but, private insurance will have a small group of payees and could be strapped for cash without high rates. We need a realization that, like wildfires and tornadoes, flood recovery requires a significant level of direct federal relief from outside the flood insurance pool. Without that, we will continue to see insurance rate payments that exceed any real disaster payout. For instance, the average payout in Dennis is been well below $20,000 per claim. How many people are paying that in to FEMA in a ten year period? Most homeowners living in the flood zone.