Why is this taking so long you ask, but please read the article on how the FEMA program through NFIP is 18 billion in debt  and our legislators are trying to figure out how to fix the problem. The easy assumption is to raise flood rates again and that is likely, but there also needs to be a future plan on  the entire issue and this will  hold things up. Congress did pass this quickly, but I do not know why the President took so long to sign off on an extension that is so desperate to the housing recovery of this country. Please go  to our blog page to get a quote on Flood, Home Insurance or auto as well.