FEMA says provision in appropriations act does not roll back flood insurance rate hikes.
Failure to pass the bill could mean skyrocketing premiums that could drop home values, NAFCU's Brad Thaler says.
Federal court may consider staying some of the rate hikes, research attorney says.
Parliamentary maneuvering continues on the bill.
"We have a working coast, not second or vacation homes," state insurance commissioner says.
Write Your Own insurers pen strong message to Congress on keeping rate change law intact.
Legislation would delay flood insurance premium increases for up to four years.
Senate bill would delay NFIP-mandated increases except for second homes and businesses.
Federal court plans Oct. 28 hearing in Gulfport on injunction to delay new flood insurance rates.
National Flood Insurance Program unaffected by shutdown as rate hikes kick in.