Hurricane Harvey has exposed the inadequacy of flood insurance

“For political reasons, NFIP charges low premiums, pricing out private insurers. But this also means its income does not cover all losses, and it is forced to borrow from American taxpayers.”

https://www.economist.com/news/finance-and-economics/21728631-flood-risk-tricky-insure-and-state-intervention-hinders-much-it

http://archive.is/HtLPA

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Why We Need to Take the ‘Fire’ Out of ‘Fire Department’

Firefighters don’t actually fight that many fires these days. It’s time to re-think how we deliver costly emergency services.

http://www.governing.com/columns/smart-mgmt/col-fire-departments-rethink-delivery-emergency-medical-services.html

http://archive.is/Oxpfa