every state has had at least an nfip claim somewhere, sometime because every state is affected by floodingigh risk and the way insurance works is it spreads it over plans over homes that have lower risk. bu everybody's premiums dramatically, the people who are at lowest risk will droo you have the same amo of risk but now it's concentrated upon a smaller pool oncentration raises the rates even more, and those who are the lowest risk in that pool drop their insurance, which con. that is called an actuarial death spiral. i hate to put it this way, but it's visual. think of what when you -- think of when you flush the toilet. the pinning ieath spiral and the water in the pool gets smaller and smaller and smaller until its gone and there's no one left who can afford the cost for the■, insurance and it ceas to exist. it is true of every insurance program. i am describing the national flood insurance is known to be just an insurance -- that is just how insurance works. if your pool gets too small, risk too concentrated, the whole thing goes awaut the problem is what is happening to the national