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ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - FILE - In this March 31, 2010 file photo, water encircles homes from the flooded Pawtuxet River in West Warwick, R.I.  In 2012, Congress passed a law requiring approximately 1.1 million policyholders nationwide to start paying rates based on the true risk of flooding. Nearly 7,000 Rhode Island homeowners and businesses could see their flood insurance premiums rise annually by double digit percentages as government-backed insurance subsidies are scaled back, according to an Associated Press analysis of data from the National Flood Insurance Program. (AP Photo/Charles Krupa, File)

ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - FILE - In this March 31, 2010 file photo, water encircles homes from the flooded Pawtuxet River in West Warwick, R.I. In 2012, Congress passed a law requiring approximately 1.1 million policyholders nationwide to start paying rates based on the true risk of flooding. Nearly 7,000 Rhode Island homeowners and businesses could see their flood insurance premiums rise annually by double digit percentages as government-backed insurance subsidies are scaled back, according to an Associated Press analysis of data from the National Flood Insurance Program. (AP Photo/Charles Krupa, File)

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