Hi Tommy Tucker -- fifteen some heavy well the rain moving in any area experiencing heavy weather but I do get a text. -- some money in -- that says standing water flooding. In batteries so I don't know quite exactly where that is in -- to be aware of that and be careful were watching everything for you and bullets you know. Everything that you need to know as sins and happens right here and a big 878 -- WL. Talking about the federal government's responsibility when it comes to make people whole after disaster after the tornadoes in Oklahoma and the the sort of -- hurricane season for us here on June 1 and questions if you got a subsidized insurance and rebuild after a disaster -- Federal government also or should they pay for shelters and tornado areas keep people from dying -- about storm shutters a year should you raise every ounce. And where do you draw the line and how you decide in a country saddled with huge debt. And deficit problems Monica Farris joins us right now from might you alma mater UNO. The college that built the middle class here in. -- -- new long ones I quote Clancy Dubose and credit him for that observation she's the director of you know senate for hazards assessment response. And technology thanks for joining us -- Tell me about does. Federal flood insurance program and is it. Operated by FEMA doesn't run at a deficit do they have a surplus do they know the treasury money. I'm getting a lot of text on this and I'm confused. Yet FEMA doesn't on National Flood Insurance Program it began as a result of life insurance act in 1968. Com following Hurricane Betsy and they're -- provide affordable insurance. For the public. From my understanding don't have exact numbers on -- But -- -- -- -- it is that a deficit and that's one of the reasons why bigger waters was passed last year and that was to make the national insurance program. And then it did one. Well it's trying Q eliminate subsidies for pleasure -- To make it actually -- fund that is -- Cassidy told us. The represented it did earlier but. If that's case that means premiums are gonna go way way up which is what we've been talking about here on -- WL for about a month and a half two months now. Yes that's very possible for those who are subsidized but not every policy will be affected some people pay actuarial rates already. But what the numbers from -- -- six the latest one that we've seen up to 49%. Of policy that we he had it could be impacted by bigger locker. So who who pays actuarial actuarial rates now. People who are -- right flood -- so. Flood elevation I'm sorry -- you know how -- supposed to be at six feet above the ground and that's where you are. That you probably -- actuarial rates. If you're in an act known. Which means that you're in the well like rest. On the flood insurance rate map or your firm that you're in an -- down you're technically not required to buy flood insurance that you if you have it. You're paying actuarial rates at that point and we're certainly not advocating not have flood insurance is that we all know in this area. So but the people who for example. God grants are raised their houses because perhaps they didn't. Who got grants and that's on trying to do get a handle on here people that flooded. During Katrina if they didn't have insurance if they did have insurance -- and trying to figure out who acted responsibly who didn't. And he isn't a situation where if he didn't act responsibly you got a grant to raise your house so now you pay actuarial rates where the people. Who acted responsibly. Didn't get a grant -- get their house race and now they got to pay. Pretty high insurance premium. Well they're different pots of money and actually some people can happen Q. -- money to elevate their well relocate either -- mitigation programs sponsored by Lima. Most of the one that FEMA sponsors like -- mitigation grant program there's this if you're kind of lost program. Those programs -- for people who have insurance. That you have to be on their -- in that. -- can be eligible but it programs some people without their own pocket when they rebuilt they decided cute belt high after Katrina or Rita. I think now making decisions about how to -- bill. There's all that money available through your life insurance policy called ICC or increased cost of compliance. And I believe it's up to 30000 dollars that can be used. Your own life insurance to bring your house Q where -- the city where even if you never excellent. Do you have in certain criteria -- -- to be eligible for the program. So is it possible and that -- what he has what what does that person do if their house is paid for their senior citizen their -- ethics in common they can't afford this actuarial. Flood insurance premium and then there house floods. Hit it very difficult question and answer because there are no easy answers I mean what. We've been telling people now and -- -- information is changing week to week we're getting information from FEMA from the insurance industry about debt and how it's going to impact people. Like you said there are people who are bought their houses. And I'm. Aren't fixed income possibly in this could have a severe impact on what we're telling people it. Just checked. Risk map six. -- Mac six dot com the web site where you can go and see where your house is on the current farm -- the current flood insurance rate map. And where. It could be. In the preliminary the new maps that are coming out in many are areas that some on communities already adopted -- maps and they get where they are on these inaccurate at risk for their home is. Also contact. There insurance agent to really get a good estimate of what their policy may cost them if there with the change. Some people are OK some people are not subsidize it to nine impacting every one. But we didn't want to get that message across like you're doing now is that this is not just coastal issue does not just an issue outside the Levy system. This is across our area. Is this just in this terriers this. Nationwide. This is nationwide in fact the latest numbers I have from an indication that they'd flood plain managers. At least 19%. And at the last minute because they were just looking at one particular part. A bigger waters there's a few pieces of it that they're being implemented in stages but the first part which infection QL five. Which is reforming this is what it's called the former premier reached archer is an aspect 19% of the policies nationwide. Which brings us -- the politics of this and I presume you are scientists Monica. Political scientists and good you can answer this question and what is the likelihood. Of this receding or. The political will to fix this as it relates as they get a text here that says -- so we continue to. To drop off cash to Karzai in a briefcase and come in Afghanistan. Millions of of dollars in cash in a briefcase. To Karzai but we can't. Help people out here in this country with flood insurance what's the likelihood of the political will on both sides of this issue to either leave it like it is and make it. Actually early funded war. I'll use the term fixes for the people that. Either have an issue with trying to sell a house where all of a sudden it. Flood insurance and they raid is going to be astronomical. Gorgeous trying to pay the insurance if they live there and don't have the money that. That the video likelihood of of the premiums not being -- early funded and congress somehow. Intervening and saying no we're gonna continue to subsidize. Like it it's obviously a hard question and answer -- -- that aren't allegation here in Louisiana is. Putting forth several amendments right now you know they're directing -- was article about apparently untrue and filing a built. Yesterday I believe that are better at all -- being. Co sponsoring a lot of these -- trying to put forth an amendment. At least to halt the implementation. Does that better study's being conducted by FEMA and others. To see the true impact of what this bill into pieces. This bill will would affect -- will have. I know we're not the only ones I've seen them. -- -- information put forth. By one of the delegates from Mississippi and all this scene. A lot of information coming out from people along the northeast and in fact the authors of the bill are now saying. State they did not understand fully the impact of debt and are saying that we need to have more studies done before we can implement parts of the. I two quick questions before we let you go money is it -- the doctor Monica. Doctor affairs that do I didn't mean them to be too familiar there about an hour -- Ph.D. I'm just talking UN no alarm to you you know professor. Mom does the policy say anywhere fewer subsidized. On -- declarations page. It should have some indication of whether or not you're subsidized if it's not clear that I would recommend you call your insurance agents. And how would you notice the -- they would say that will alluded to the language be that they would look for. I I'm not positive exact language it may say something about being grandfathered. On something in your page could say pretty firm. And it Europe -- arms structure that means you were built before the first flood insurance -- -- map what put it are adopted by your community to your house was forty your belt probably before the Japanese built. And it wasn't high enough you probably thought that I. OK and that didn't website we spelling the numeral the word sixers at the new on that map. Our -- on aspects and Ali are I escaped inmate he and then the number six. Com yeah I should be able to see where your house is on the -- -- the flood insurance rate map that's in effect right now. And whether or not they'll be changes with the new maps that are being proposed in many are -- it. The doctor Harris has been very informant and hoping come on again thank you and I haven't.