The National Association of Professional Insurance Agents has described 2010 as a year of "stop-and-starts" for the critical National Flood Insurance Program.

One serious attempt to enact comprehensive NFIP reform legislation passed the House in July but went nowhere in the Senate. Then, on September 23, Congress passed legislation extending the NFIP until Sept. 30, 2011.

The one-year extension meant that Congress averted another lapse in the flood insurance program. There were four program lapses in the past year as Congress approved extensions of only months or weeks and then failed repeatedly to act in time to avert interruptions in the program.

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