Second home owners are being discriminated against with a a $250 yearly fee plus rates still skyrocketing. This country has money for all kinds of wasteful spending but when it comes to saving our own housing market? If it wasn't for StopFemaNowPA, where would this country be next year? Small business can make or break a nation. This will take out small business. (Ice cream shop in Hughesville paying $16,000 a year.) My husband said we are not paying $6,000 a year for flood insurance on one building! We would have to raise our rents $200 per 2 bedroom apartment. What tenant could afford that?