challenge: What criticism is commonly directed towards the government's subsidized insurance plan under the National Flood Insurance Act of 1968?
  
  A. It lacks coverage for properties in high-risk flood zones
  B. It discourages building in coastal areas and floodplains
  C. It raises premiums for properties that have flooded multiple times
  D. It encourages building and rebuilding in vulnerable coastal areas and floodplains
  Answer: 