Congress has the opportunity to finally change one of the greatestweaknesses afflicting the National Flood Insurance Program(NFIP). Designed to reduce the cost of major disasters byallowing workers to insure their property against floods, NFIP hasbeen saddled with having to repeatedly pay for rebuilding the samestructures. To make matters worse, most of these structurespay subsidized premiums that come nowhere close to covering thecosts they impose on the program.