Disaster_Accident

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This Wednesday, March 19, 2014 photo shows Topsail Beach, N.C., from the boardwalk leading to the beach to the sound in the distance from the mainland side of the narrow island. Hundreds of property owners on the small barrier island face sharp increases in flood insurance premiums as government-backed insurance subsidies are scaled back, according to an Associated Press analysis of data from the National Flood Insurance Program. (AP Photo/Bruce Smith)

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Bill Cherry stands outside his Breezeway Restaurant in Topsail Beach, N.C., on Wednesday, March 19, 2014. Hundreds of property owners on the small barrier island face sharp increases in flood insurance premiums as government-backed insurance subsidies are scaled back, according to an Associated Press analysis of data from the National Flood Insurance Program. (AP Photo/Bruce Smith)

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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)

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Bob Brellenthin of Pahlen Realty stands at a downtwon Roseau, Minn. bridge over Roseau River on Thursday, March 20, 2014. He knows firsthand the effect the new, higher national flood insurance premiums have had on his business and the difficulty his customers have had selling their homes because of the changes in the National Flood Insurance Program. (AP Photo/Bruce Crummy)

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Bob Brellenthin of Pahlen Realty stands in a residential area of Roseau, Minn. on Thursday, March 20, 2014. No Minnesota community has been affected more by the nationwide spike in flood insurance premiums than the far northwestern city of Roseau, where the specter of rates rising by as much as $400 to a monthly home payment has just about dried up the local housing market. (AP Photo/Bruce Crummy)

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Bob Brellenthin of Pahlen Realty stands in a residential area of Roseau, Minn. on Thursday, March 20, 2014. No Minnesota community has been affected more by the nationwide spike in flood insurance premiums than the far northwestern city of Roseau, where the specter of rates rising by as much as $400 to a monthly home payment has just about dried up the local housing market. Nearly the entire community lies within the Roseau River flood plain, hard-hit by a major flood in 2002, so mortgage lenders require purchasers to take out flood insurance. (AP Photo/Bruce Crummy)

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Bob Brellenthin of Pahlen Realty stands at a bridge crossing the Roseau River in Roseau, Minn. on Thursday, March 20, 2014. He knows first hand the effect the new, higher national flood insurance premiums have had on his business and the difficulty his customers have had selling their homes because of the changes in the National Flood Insurance Program. (AP Photo/Bruce Crummy)

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FILE - This June 18, 2008 aerial file photo shows a break in the Indian Grave levee caused by flood waters from the Mississippi River north of Quincy, Ill. A rate-relief law signed Friday, March 21, 2014 by President Barack Obama will soften the blow for those who were hit hardest by rate changes in the National Flood Insurance Program. An Associated Press analysis shows that half of the nearly 49,000 Illinois policies through the program are paying subsidized rates set to rise as those discounts are shaved or eliminated. The fallout appears profound in Illinois, partly because of the state's proximity to the Mississippi, Ohio and Illinois rivers and their tributaries. (AP Photo/Paul Beaty, File)

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FILE - In this June 19, 2008 file photo, floodwaters from the Mississippi River surround a grain elevator in Meyer, Ill. after a levee failed, flooding the farming community. Policyholders who have long enjoyed subsidized rates under the debt-ridden National Flood Insurance Program will see premiums rise steadily in the coming years, despite a rate-relief law signed Friday, March 21, 2014 by President Barack Obama that will soften the blow for those who were hit hardest. The fallout appears profound in Illinois, partly because of the state's proximity to the Mississippi, Ohio and Illinois rivers and their tributaries. (AP Photo/M. Spencer Green, File)

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FILE - This March 10, 1992 aerial photo shows floodwaters from the North Branch of the Winooski River in downtown Montpelier, Vt. About 2,400 in Vermont, including more than 200 in Montpelier, are among the 1.1 million policyholders nationwide likely to see their federally subsidized flood insurance premiums rise, as government-backed insurance subsidies are scaled back, according to an Associated Press analysis of data from the National Flood Insurance Program. (AP Photo/Jim Cole, File)

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FILE - This Oct. 30, 2012 aerial photo provided by the U.S. Coast Guard shows storm damage from Superstorm Sandy in a portion of New Haven, Conn. 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 4,200 policyholders in Connecticut face increases of up to 25 percent each year. More than 14,000 property owners in the state will be hit with annual premium increases as high as 18 percent annually, until the policyholder switches to a risk-based rate. (AP Photo/U.S. Coast Guard, Petty Officer 2nd Class Rob Simpson, File)