The reform envisions repricing some subsidized premiums but, because of the long history of subsidies and grandfathering, insuring agencies don’t have the information needed to adjust premiums with re-evaluating each individual property.  To legislate Congress passed the Flood Insurance Affordability Act which delays premium increased for 4   years or 6 months after FEMA proposed policy changed & regulations to address affordability issues.  The National Flood Insurance Program is $24 billion in debt in large part to subsidize premiums for some.  Watch as Congress works with this in years to come!