How the Federal Government took over the Flood Insurance Business

How the Federal Government took over the Flood Insurance Business 

By Margaret Snow

9/16/11

If you could develop a market for a product, then develop the product, and then force hundreds of thousands of people into buying the product, WOW, what a concept! Of course, in the private sector, that isn’t the way it works.

But if you were the all-powerful Federal Government, why not?

The “Federal Flood Management Program / National Flood Insurance Program” 

Background 

jan2013_coverweb.gif

available to download via FEMA website (pdf file)

In 1968 through legislation the National Flood Insurance Act of 1968 was enacted. This enabled property owners to purchase flood insurance through a Federally Backed Program. All participation in this program was strictly voluntary.

Like many Government Programs that start with the idea of helping those who need it, the program soon became a basis for passing new legislation & expanding the role of Government.

In 1973, only a few short years into the National Flood Insurance Act, legislation expanded the Flood Insurance to a mandatory status on all structures that were built in a designated flood zone and were mortgaged with a Federally Insured Lending Agency.

This legislation basically rocked along offering this federally backed insurance to those whose property was in a flood zone for 31 years. In 2004 the entire program was revised after Katrina and FEMA’s distribution of over $4 billion in Katrina relief.

FEMA was deeply indebted and it is entirely possible that legislators saw a way to build a business model that could help fund the agency. Thus the legislature passed putting the entire program under the direction of FEMA and funneling a network of fees & premiums back into FEMA’s coffers.

A complete package was put into place & a marketing campaign sold the program as “partnering with private insurance companies to provide a helpful needed product.” Flood insurance purchases were likely to increase after the natural disaster Katrina, but to generate the amount of money needed it would be necessary to mandate many more people had to buy flood insurance.

Read more here (pdf via OK-SAFE)

[Editor’s note:  While this article was written in 2011, much has happened since then.  Margaret Snow and some others met with our Oklahoma Attorney General Scott Pruitt to brief him on matters.  It may be time for an update.  Margaret Snow serves as a Republican Precinct Chair is Washington County Oklahoma and works in the design field.  With this article and her personal story, she has definitely uncovered and revealed information that touches many people.   I believe she has provided us an example and a mode of operations of not one but many federal agencies that are actively working to strip  away our individual rights and property rights at our own expense.]

More information via OK-SAFE on topic of FEMA Flood Zone ReMapping here.

Truth in Focus – America in the Balance Radio Show on Topic in archives here.

(find appropriate broadcast and then you can listen or download – shows are in date order so scroll down)

Truth in Focus Radio Show on FEMA (download to listen; right click to save target as)

FEMA Flood Zones – David McLain and Margaret Snow 
08/21/2011: Guest David McLain, pastor of a church in Skiatook, OK recounts his experiences with a FEMA representative and a city official, who attempted to designate his church property as a flood zone. When asked by what authority FEMA was acting, specifically what constitutional authority he was operating under, the FEMA rep. answered that FEMA operates outside of the constitution, and is in fact international. Guest Margaret Snow, landowner in northern OK recounts how her property, which has never flooded, was designated floor zone by FEMA and how this resulted in the immediate reduction in the value of her property.

Posted by Sandra Crosnoe for Finding Gems & Sharing Them and OKGrassroots

More Bonds and Debt for Bartlesville Property Owners? Up to you! Vote August 28th

Did you know that you will have yet another chance to say NO to more bonds and debt if you live in many precincts in Washington County?  ‘Special election’ information and actual ballot wording is provided here for the vote upcoming on August 28th.  Do you think we will ever learn to live within our means if you keep telling them it is ok to ask for more?  I am angry this is even on the ballot; much less that it is at a time when many are on vacation and will not be paying attention.  But then that makes it easier to defeat if people will learn to say NO!  It is not just Washington DC that cannot learn to live within the budget.  Apparently the disease is spreading to our little town as well.  

Making this a matter of prayer for sure.

 Sandra Crosnoe

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WASHINGTON COUNTY (ELECTION BOARD phone # = 918-337-2850):

Election Date: August 28*

SPECIAL ELECTION: Bartlesville school district (Pr 11-13, 15, 22, 27, 28, 31, 33, 46, 48, 51, 54, 74-76, 711) 2 propositions (see below):

SPECIAL ELECTION: Skiatook school district (Pr 78) 2 propositions (see below):

PROPOSITION NO. 1

“Shall Independent School District Number 30 of Washington County, Oklahoma, incur an indebtedness by issuing its bonds, to be issued in one or more series, in the sum of Eleven Million Six Hundred Twenty Five Thousand Dollars ($11,625,000) to be used with or without other funds to provide funds for the purpose of acquiring or improving school sites, constructing, repairing, remodeling and equipping buildings, and acquiring school furniture, fixtures, and equipment, as authorized by Section 26, Article X, of the Oklahoma Constitution, which will specifically include constructing and equipping eight (8) early childhood classrooms as an addition to Richard Kane Elementary, renovating and equipping Richard Kane Elementary along with other elementary schools throughout the District, constructing new handrails, visitor restroom/concessions, new lighting, and a new sound system at Custer Stadium, acquiring textbooks and other curriculum materials, acquiring technology equipment and software, and levy and collect an annual tax, in addition to all other taxes, upon all the taxable property in such District sufficient to pay the interest on such bonds as it falls due and also to constitute a sinking fund for the payment of the principal thereof when due, said bonds to bear interest at not to exceed the rate of ten percent (10%) per year, payable semiannually and to become due serially within ten (10) years from their date except bonds issued for equipment described in Section 15-106.1 of Title 70 of the Oklahoma Statutes shall become due within five (5) years from their date?”

PROPOSITION NO. 2

“Shall Independent School District Number 30 of Washington County, Oklahoma, incur an indebtedness by issuing its bonds, to be issued in one or more series, in the sum of One Million Fifty Thousand Dollars ($1,050,000) to be used with or without other funds to provide funds for the purpose of acquiring transportation equipment, and levy and collect an annual tax, in addition to all other taxes, upon all the taxable property in such District sufficient to pay the interest on such bonds as it falls due and also to constitute a sinking fund for the payment of the principal thereof when due, said bonds to bear interest at not to exceed the rate of ten percent (10%) per year, payable semiannually and to become due serially within five (5) years from their date?”

=========================

Absentee Ballot/Voting Information

Is there any possibility that you could be required to be away from Washington County on August 28 (on a family emergency or an emergency business trip, for example)?  If the answer is “yes”, then we STRONGLY RECOMMEND that you consider voting by absentee ballot for the August 28 statewide runoff elections.  There are 2 methods to vote absentee (absentee voting by mail and in-person absentee voting).  To vote by mail, you must complete a simple application and get it to the Washington County Election Board by August 22.  The FAX number of the Washington County Election Board is 918-337-2895.  To vote by in-person absentee voting, you must go to the Washington County Election Board (420 S Johnstone Ave Suite 101, Bartlesville) on August 24, 25 or 27. Make sure you have your voter identification with you; you will need to show it to them!  Open this link for more information about absentee voting:

www.ok.gov/elections/Absentee_Voting/index.html

If you want specific information about absentee voting by mail, open this link:

www.ok.gov/elections/Absentee_Voting/Absentee_Ballot_Applications

Here are two links for the two different types of absentee ballot applications:

www.ok.gov/elections/documents/abs_yell.pdf

www.ok.gov/elections/documents/abs_pink.pdf

Here is a link for voters who are a) active-duty members of the Armed Forces, Merchant Marine, Public Health Service, NOAA, and their family members, or b) United States citizens who are living outside the U.S. for work, school or other reasons.

www.fvap.gov

Special thanks to Greg & Susan Hill (Tulsa) for providing this information via email so faithfully and so timely.

Posted by Sandra Crosnoe for Finding Gems & Sharing Them

OKGrassroots

Washington County School Board Elections – February 8th

There are 3 government elections in all 23 precincts in Washington County on February 8.  Three school districts have school board elections: Copan, Skiatook and Tri-County Technology Center.  Please open the attached file called “Washington County”; it is the summary of the candidates in these elections.  The summary includes the name of each candidate, the office they are running for, their phone number and e-mail address (if they have an e-mail address).  The Washington County Election Board phone number is 918-337-2850.  (received via Greg and Susan Hill email recently) with the attachment below:

 

SCHOOL BOARD ELECTIONS, WASHINGTON COUNTY (ELECTION BOARD# = 337-2850) – FEB. 8, 2011 NOTICE: This list has 2 purposes: to allow you, the voter, to contact the candidates to help you determine a) what candidates you will vote for and b) what candidates you will volunteer for.

Ind. School District No. 4 – (COPAN) Office No. 1 (5 year term) (Pr 71, 73-74) NONPARTISAN: Ryan Shane Cameron 214-7551 Kevin C. Suggs 532-4276 herbiebn@yahoo.com kcguggs@gmail.com

Ind. School District No. 7 – (SKIATOOK) Office No. 3 (2 yr unexpired term) (Pr 78) NONPARTISAN: Linda Loftis 855-4334 Julie Lynn 809-2041 http://www.facebook.com/people/Linda-Loftis/1811501115 lynnskiatook@aol.com http://www..facebook.com/album.php?aid=69637&id=1067833132#!/pages/Loftis-for-Skiatook-School-Board/148224001893689 lloftis@tulsarealtors.com

Mike Mullins 277-3063

mull111s@sbcglobal.net

Tri-County Technology Center District No. 1 Office No. 3 (5 year term) (all precincts) NONPARTISAN: Gil Greenwood 914-3613 Paul R. Turcott 914-2682 finn@bartnet.net prturcott@yahoo.com

SCHOOL BOARD ELECTIONS CANCELLED IN THESE SCHOOL DISTRICTS: Avant C35 school district: Pr 78 (Osage County = parent county) Bartlesville I30 school district: Pr 11-13, 15, 22, 27-28, 31, 33, 46, 48, 51, 54, 74-76, 711 (Osage = affected county) Caney Valley I18 school district: Pr 27, 31, 76-79 (Osage County = affected county) Collinsville I6 school district: Pr 77 (Tulsa County= parent county) Dewey I7 school district: Pr 62, 73, 74 (Osage County = affected county) OK Union I3 school district: Pr 71, 74 (Nowata County = parent county)

 

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