First, the insurance program provides choice. Prior to the establishment of the National Flood Insurance Program very few people lived in flood prone areas because insurance did not provide adequate coverage. However, once the program became available increasingly people became willing to live in these areas due to low cost and maximum coverage that the National Flood Insurance Program (Islam & Ryan, 2016, p. 79). Therefore, the program may have created more risk by enabling coverage in these areas. In addition, the program does not provide regulation on the construction within the natural function. According to Wetmore et al. (2006), the program enables construction of natural function areas which may aid in flood mitigation by providing habitat, filtration, and groundwater recharge (p. 14). Lastly, the program does not provide regulation for the location of critical facilities. Critical facilities such as hospitals, chemical storage, water treatment plants, and communication networks can be located near flood plains though discouraged it is not regulated (Westmore et al., 2006, p. 14). Overall, the program does not account for all intricacies this is where State regulation and land use may be
First, the insurance program provides choice. Prior to the establishment of the National Flood Insurance Program very few people lived in flood prone areas because insurance did not provide adequate coverage. However, once the program became available increasingly people became willing to live in these areas due to low cost and maximum coverage that the National Flood Insurance Program (Islam & Ryan, 2016, p. 79). Therefore, the program may have created more risk by enabling coverage in these areas. In addition, the program does not provide regulation on the construction within the natural function. According to Wetmore et al. (2006), the program enables construction of natural function areas which may aid in flood mitigation by providing habitat, filtration, and groundwater recharge (p. 14). Lastly, the program does not provide regulation for the location of critical facilities. Critical facilities such as hospitals, chemical storage, water treatment plants, and communication networks can be located near flood plains though discouraged it is not regulated (Westmore et al., 2006, p. 14). Overall, the program does not account for all intricacies this is where State regulation and land use may be