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Making the connection for the Cape Cod Rail Trail

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NYTimes: A Broke, and Broken, Flood Insurance Program

A Broke, and Broken, Flood Insurance Program https://nyti.ms/2hEsXBi

One telling quote:

That’s because Congress gave the program a legal mandate to work with communities, not individual households. So the program was surveying floodplains, then calculating an “average annual loss” for all the houses there. Its insurance rates were based on those averages.

Not sure what the basis is for the average annual loss in the “community” floodplain is, unless it is all coastal AEs of the same level nationwide. Because there is no justification for a home on the outer edges of the AE 10 in Dennis to almost get hit with an $8,000 flood insurance premium. Working with the insurance agent, we were able to show the home was NOT in the flood zone and get the premium down to a more appropriate $798.