text: This legislation is about fairness and affordability. It prevents FEMA from unfairly increasing flood insurance rates on North Dakotans and Americans. The legislation includes our Flood Safe Basements Act to ensure that communities are able to continue using floodproofed basement credits. We need affordable and fair flood insurance premiums. We need to get this done.  http://www.hoeven.senate.gov/public/index.cfm/2014/1/hoeven-bill-preventing-flood-insurance-rate-hikes-moves-to-senate-floor-hoeven-continues-push-for-passage