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FILE - In this Friday, Jan. 3, 2014 file photo, heavy surf breaks over a seawall during a winter storm in Hampton, N.H. More than 40 percent of the properties with flood insurance in New Hampshire will see their costs go up in 2014 due to changes in the National Flood Insurance Program. Homeowners will see their rates go up as much as 18 percent each year and owners of businesses and second homes will face an annual mandatory 25 percent rate increase until they switch to a risk-based rate. (AP Photo/Jim Cole)

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Realtor Bob Preston stands for a photograph looking towards the ocean on his property in Hampton, N.H. on Friday, March 21, 2014. Preston says he has lived on New Hampshire’s seacoast his entire life and his family has sold and rented properties there for decades. He’s never had a property flood but still pays for federally mandated flood insurance. Like thousands of others across New Hampshire whose flood insurance is subsidized by the government, the amount he pays is about to go up because of changes to the National Flood Insurance Program. (AP Photo/Jim Cole)

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Water and mud back up on the east side of Saturday's fatal mudslide near Oso, Wash., Sunday March 23, 2014. (AP Photo /The Herald, Genna Martin)

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Taylor Rambo stands in front of his home in Burlington City, N.J. on Wednesday, March 19, 2014. If flooding were a real concern, he says he would not have built a bar in his basement. Yet he pays about $2,700 each year for flood insurance that he is required to have as part of his mortgage, and the amount is likely to rise quickly. "It worries me a lot because it makes my escrow go up and I can't afford it," said Rambo, who said he hasn't had any water in his basement in the 17 years he's owned his house. (AP Photo/Geoff Mulvihill)

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Paul Garrett stands on a stairway in front of his house which leads down to the banks of the Susquehanna River in Jersey Shore, Pa. on Sunday, March 23, 2014. About a third of the borough (population 4,300) is in a flood hazard zone. Nearly 470 homes in town are expected to see flood insurance premium hikes. (AP Photo/Ralph Wilson)

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The west branch of the Susquehanna River flows past Jersey Shore, Pa. on Sunday March 23, 2014. About a third of the borough (population 4,300) is in a flood hazard zone and nearly 470 homes in town are expected to see flood insurance premium hikes because of changes to the National Flood Insurance Program. (AP Photo/Ralph Wilson)

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Taylor Rambo stands in front of his home in Burlington City, N.J. on Wednesday, March 19, 2014. If flooding were a real concern, he says he would not have built a bar in his basement. Yet he pays about $2,700 each year for flood insurance that he is required to have as part of his mortgage, and the amount is likely to rise quickly. "It worries me a lot because it makes my escrow go up and I can't afford it," said Rambo, who said he hasn't had any water in his basement in the 17 years he's owned his house. (AP Photo/Geoff Mulvihill)

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Regina Bachman looks through papers dealing flood insurance on her property inside her home in Loveland, Ohio on Friday, March 21, 2014. Bachman bought the home in September 2013 and was initially told by the bank that flood insurance on the property would be affordable, only to find out after closing that the rates were going to increase over $7,000 more annually with new premiums for the National Flood Insurance Program. (AP Photo/Al Behrman)

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Regina Bachman stands on her deck overlooking her backyard and a small creek that runs behind her home in Loveland, Ohio on Friday, March 21, 2014. Bachman bought the home in September 2013 and was initially told by the bank that flood insurance on the property would be affordable, only to find out after closing that the rates were going to increase over $7,000 more annually with new premiums for the National Flood Insurance Program. (AP Photo/Al Behrman)

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Regina Bachman stands outside her home that has a small creek running behind it in Loveland, Ohio on Friday, March 21, 2014. Bachman bought the home in September 2013 and was initially told by the bank that flood insurance on the property would be affordable, only to find out after closing that the rates were going to increase over $7,000 more annually with new premiums for the National Flood Insurance Program. (AP Photo/Al Behrman)

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Regina Bachman looks down at a small creek running behind her home in Loveland, Ohio on Friday, March 21, 2014. Bachman bought the home in September 2013 and was initially told by the bank that flood insurance on the property would be affordable, only to find out after closing that the rates were going to increase over $7,000 more a year with new premiums for the National Flood Insurance Program. (AP Photo/Al Behrman)

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This detail of an insurance form shows the cost of flood insurance for Regina Bachman's home in Loveland, Ohio on Friday, March 21, 2014. After stretching her finances to buy a $95,000 home near a creek in September 2013, she was belatedly hit with an annual flood insurance bill of $7,900. The previous owner had paid under $700. (AP Photo/Al Behrman)

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Status lights glow on a control panel for a groundwater pump in Hoquiam, Wash. on Monday, March 18, 2014. Most of Hoquiam is in a flood plain, and the mayor says despite the pumps and other measures used to reduce the town's risk of flooding, possible increases in federal flood insurance rates would adversely affect many who live here. (AP Photo/Ted S. Warren)

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Jerry Fulbright, a maintenance worker for the city of Hoquiam, Wash., changes a gasket, Monday, March 18, 2014, on an electric generator that will power sewer and groundwater pumps in the event of a power failure. Most of Hoquiam is in a flood plain, and the mayor says despite the pumps and other measures used to reduce the town's risk of flooding, possible increases in federal flood insurance rates would adversely affect many who live here. (AP Photo/Ted S. Warren)

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Jack Durney, mayor of Hoquiam, Wash., stands Monday, March 18, 2014 next to a pump that takes groundwater away from neighborhoods in his town, most of which is located on a flood plain. Durney says possible increases in federal flood insurance rates would adversely affect many who live in Hoquiam. (AP Photo/Ted S. Warren)

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Darrin Moir, right, and his wife Leonor Moir, stand Monday, March 18, 2014 on the deck of their house, which is located along the Little Hoquiam River in Hoquiam, Wash. The Moirs currently pay about $1,700 annually for flood insurance, even though they say they have never had a major flooding incident since buying their home in 1996. Possible rate increases could up their premiums to more than $9,000 a year, which they say could prevent them from eventually selling their home. (AP Photo/Ted S. Warren)

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Jack Durney, mayor of Hoquiam, Wash., stands on a hill on Monday, March 18, 2014, overlooking his city, the Hoquiam River, and Grays Harbor. Because most of Hoquiam lies in the flood plain, Durney says possible increases in federal flood insurance rates would adversely affect many who live in his town. In the old logging port on an estuarine bay, the great majority of the 8,700 residents live in a flood hazard area. (AP Photo/Ted S. Warren)

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Oil is shown washed ashore on the beach area along Boddeker Rd. on the Eastern end of Galveston near the ship channel Sunday, March 23, 2014, in Galveston. (AP Photo/Houston Chronicle, Melissa Phillip)