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The last time the National Flood Insurance Program’s authorization ran out, it took 17 short-term extensions, four lapses and nearly four years before the program was at last reauthorized in July 2012.

This time, the feeling is that things will be different. Legislators appear eager to get to work on extending and reforming the NFIP, and the industry is more prepared and more willing than ever to get involved in the Flood insurance market and assume a greater share of the risk — which is key to the reforms contemplated by Congress.

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