Flooding disasters have occurred with increasing frequency in recent years, destroying homes and taking lives. In 2014, floods in the U.S. caused nearly $3 billion in damage and took 38 lives. But when it comes to property damage, the federal government is often left with the bulk of the bill. The National Flood Insurance Program (NFIP)—the federal program charged with supporting communities vulnerable to floods—mandates insurance for any vulnerable homeowner, no matter how poorly located or built their home is.