Flood Insurance. Get ready! The National Flood Insurance Program will be raising rates October 1, 2013. Will you be affected? Will there be additional rate hikes coming to the coast? In 2012, the U.S. Congress passed the Flood Insurance Reform Act of 2012 which calls on the Federal Emergency Management Agency (FEMA), and other agencies, to make a number of changes to the way the NFIP is run…

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