increase of 25% per year. The goal of the amendment was to give people time to change their plans by moving, saving more money, getting errors related to floodplain maps worked out, and so forth. However, the amendment failed 34–65. Frank Nutter, the president of the Reinsurance Associate of America, suggested pursuing a plan of keeping the scheduled insurance premium increases, but targeting the homeowners that are "most in need, while maintaining the benefits of risk-based rates and incentivizing community and individual mitigation." Howard Kunreuther favored of keeping the Biggert–Waters reforms. He and his colleagues suggest using a voucher system instead that would help needy people in exchange for them taking action to make their homes safer and less prone to flood damage. Their proposed reforms are explained in the working paper Addressing Affordability in the National Flood Insurance Program. See also List of bills in the 113th United States Congress National Flood Insurance Program Homeowner Flood Insurance Affordability Act of 2013 (H.R. 3370; 113th Congress) Notes/References External links Library of Congress – Thomas S. 1926 beta.congress.gov S. 1926 GovTrack.us S. 1926 WashingtonWatch.com S. 1926 Proposed legislation of the 113th United States Congress Disaster preparedness in the United States Flood insurance Flood control acts in the United States