美国洪水保险法律制度研究/任自力(15)
{27} See The Future of the National Flood Insurance Program: Hearing Before the S. Comm. on Banking, Housing and Urban Affairs，109th Cong. 12 (2005)，available at 2005 WLNR 16919013（statement of Sen. Richard C. Shelby）（suggesting that“continuation of subsidized rates, particularly for properties that have suffered repetitive losses,…encourages families to remain living in harm’ s way”）．
{28} See Christine M. McMillan: Federal Flood Insurance Policy: Making Matters Worse, 44 Hous. L. Rev. (2007)．pp. 503～505.
{29} See Adam F. Scales, A Nation of Policyholders: Governmental and Market Failure in Flood Insurance,26 Miss. C. L. Rev. (2007)．p. 3.
{30} See Rawle 0. King, CRS Report for Congress Federal Flood Insurance: Repetitive Loss Problem, Order Code RL32972，Summary, 1 (2005)．
{31} Cheyenne Hopkins, HR4320-National Flood Insurance Program Commitment to Policyholders and Reform Act of 2005，CQ Bill Analysis, Feb. 13，2006, available at 2006 WLNR 2645526.
{32}参见前注{18}，Jon Kyl文。
{33}在卡特里娜飓风和2006年春季新英格兰洪水之后，纽约时报记者主张，现行的NFIP遇到一个基本障碍：除了那些最明显地处于危险境地的人，绝大多数人都认为他们不需要它。See Henry S. Cohn*＆Tiffany M. Rowe, Overwhelmed: The Federal Flood Insurance Act of 1956.13 Conn. Ins. L. J. (2006/2007)，P. 331.
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