Sorry, I ran out of credit <a href=" http://www.servicedesignmaster.com/buy-prozac-uk.pdf ">prozac manufacturers india</a> Under the reforms passed last year, FEMA is required to set risk based rates that enable it to collect aggregate premiums to pay for an average historical loss. The real average, no discarding outliers. In addition, many properties (like second homes and commercial properties) would have their grandfathered subsidized rates gradually increased to risk-based rates. In addition, FEMA has been updating outdated flood insurance rate maps to establish the accurate flood risk in various areas. These new maps, coupled with the shift to more risk-based rates means that properties in higher risk areas will have higher rates. In lower risk areas, the premiums might actually be lower.