The National flood insurance program : is it financially sound?

<?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/MARC21/slim http://www.loc.gov/standards/marcxml/schema/MARC21slim.xsd">
  <record>
    <leader>00000cab a2200000   4500</leader>
    <controlfield tag="001">MAP20190013987</controlfield>
    <controlfield tag="003">MAP</controlfield>
    <controlfield tag="005">20190524085027.0</controlfield>
    <controlfield tag="008">190517e20190301usa|||p      |0|||b|eng d</controlfield>
    <datafield tag="040" ind1=" " ind2=" ">
      <subfield code="a">MAP</subfield>
      <subfield code="b">spa</subfield>
      <subfield code="d">MAP</subfield>
    </datafield>
    <datafield tag="084" ind1=" " ind2=" ">
      <subfield code="a">328.1</subfield>
    </datafield>
    <datafield tag="100" ind1="1" ind2=" ">
      <subfield code="0">MAPA20190006095</subfield>
      <subfield code="a">Beider, Perry</subfield>
    </datafield>
    <datafield tag="245" ind1="1" ind2="4">
      <subfield code="a">The National flood insurance program</subfield>
      <subfield code="b">: is it financially sound?</subfield>
      <subfield code="c">Perry Beider, Terry Dinan, David Wylie</subfield>
    </datafield>
    <datafield tag="520" ind1=" " ind2=" ">
      <subfield code="a">This article uses data provided by the Federal Emergency Management Agency, which implements the NFIP, to estimate the difference between annual premiums and expected costs associated for the program as a whole and for inland and coastal regions. In addition, we examine the role of discounts, cross-subsidies, and FEMA's method of setting what it considers to be full-risk rates in explaining the outcomes that we observe.</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080628345</subfield>
      <subfield code="a">National Flood Insurance Program</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080562922</subfield>
      <subfield code="a">Inundaciones</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080629755</subfield>
      <subfield code="a">Seguro de riesgos extraordinarios</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080602529</subfield>
      <subfield code="a">Mercado de reaseguros</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080601522</subfield>
      <subfield code="a">Evaluación de riesgos</subfield>
    </datafield>
    <datafield tag="651" ind1=" " ind2="1">
      <subfield code="0">MAPA20080638337</subfield>
      <subfield code="a">Estados Unidos</subfield>
    </datafield>
    <datafield tag="700" ind1="1" ind2=" ">
      <subfield code="0">MAPA20190006101</subfield>
      <subfield code="a">Dinan, Terry</subfield>
    </datafield>
    <datafield tag="700" ind1="1" ind2=" ">
      <subfield code="0">MAPA20190006118</subfield>
      <subfield code="a">Wylie, David</subfield>
    </datafield>
    <datafield tag="773" ind1="0" ind2=" ">
      <subfield code="w">MAP20077001748</subfield>
      <subfield code="t">Risk management & insurance review</subfield>
      <subfield code="d">Malden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999-</subfield>
      <subfield code="x">1098-1616</subfield>
      <subfield code="g">01/03/2019 Tomo 22 Número 1 - 2019 , p. 15-38</subfield>
    </datafield>
  </record>
</collection>