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Reforming the National Flood Insurance Program after 35 Years of Failure By Eli Lehrer Executive Summary Three-and-a-half decades after it emerged in its modern form, the National Flood Insurance Program (NFIP) remains deeply dysfunctional. Although modestly successful in improving the quality of land use planning in the United States at least relative to what came before the program has enormous weaknesses. In particular, it has cost taxpayers billions of dollars despite promises th.

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