America's flood insurance system is sinking

Here’s some bad news for the 5 million Americans who have flood insurance policies: Premiums will rise an average 6.3 percent this year, according to the National Flood Insurance Program (NFIP).

But this could be followed by even worse news when rates rise as much as 25 percent a year until the NFIP -- now $24 billion underwater and in debt -- becomes “actuarily sound.” It’s up to Congress to throw policyholders a life raft, which it has to do by Sept. 30, when the current program expires.

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