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Brandon Nadeau walks on the earthen dike near his northeast Valley City, N.D. home on Thursday, March 20, 2014. Congress passed a law in 2012 to cut into the National Flood Insurance Program's $24 billion debt, which accrued over decades of low premiums and high payouts. To do so, 1.1 million subsidized policyholders were going to have to start paying rates based on the true flood risk and others, like the Nadeaus, would have to start paying up to 20 percent higher premiums each year. (AP Photo/Bruce Crummy)

Brandon Nadeau walks on the earthen dike near his northeast Valley City, N.D. home on Thursday, March 20, 2014. Congress passed a law in 2012 to cut into the National Flood Insurance Program's $24 billion debt, which accrued over decades of low premiums and high payouts. To do so, 1.1 million subsidized policyholders were going to have to start paying rates based on the true flood risk and others, like the Nadeaus, would have to start paying up to 20 percent higher premiums each year. (AP Photo/Bruce Crummy)

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