Flood insurance is broken. Here are some ways to fix it

Destruction left after Hurricane Irma (Credit: Getty/Gerben Van Es)

Hundreds of thousands of Americans whose homes were damaged or destroyed by flooding from Hurricanes Harvey and Irma don’t know how they will pay for repairs, rebuilding or replacement. Likewise, the nation as a whole needs a plan for fixing the deeply flawed federal system for managing and financing flood risks.

The National Flood Insurance Program insures almost five million homes and businesses against flood risks and...

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