以约翰·肯尼迪为首的参议员寻求对国家洪水保险计划进行改革，该计划将在未经重新授权的情况下失效，以应对不断上升的洪水风险并降低被认为不足的保费。 Senators, led by John Kennedy, seek reform of the National Flood Insurance Program, set to lapse without reauthorization, to address rising flood risks and decreasing premiums perceived as insufficient.
国家洪水保险计划 (NFIP) 已签发了近 500 万份保单，负债超过 200 亿美元，正面临着各种挑战，包括房主的保单负担能力问题以及应对灾难事件的综合方法。 The National Flood Insurance Program (NFIP), which has issued almost 5 million policies and has over $20 billion in debt, is facing various challenges which include affordability issues of policies for homeowners, as well as a comprehensive approach to catastrophic events. 该计划目前处于财务破产状态，自 2017 年以来一直未获得重新授权。 The program is financially insolvent and has not been reauthorized since 2017. 我们。 U.S. 参议员们提出了一项法案，旨在使该计划更加实惠，将费率涨幅上限限制在 9%，在保费过高时为中低阶层家庭提供代金券，并对保险公司实施额外监管。 Senators have introduced a bill aimed at making the program more affordable, by capping rate increases at 9%, providing vouchers for low and middle-class families if premiums become too high, and implementing additional oversight for insurance companies.