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Hurricane Ian may renew debate over flood insurance hikes hitting Louisiana

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Hurricane Ian may renew debate over flood insurance hikes hitting Louisiana


Hurricane Ian’s destruction in Florida is prone to spark renewed debate on drastic adjustments to the nation’s flood insurance coverage system, which is resulting in main will increase for a lot of in Louisiana, New Orleans space financial boosters mentioned Friday.

The feedback got here on the launch of a brand new examine on the flood insurance coverage overhaul that warns of potential hurt to Louisiana, attended in particular person or nearly by a variety of state and native officers. The examine was carried out by the Coalition for Sustainable Flood Insurance coverage, established by regional financial improvement group Better New Orleans Inc.

The examine delves deeper into points that state and native officers have been elevating for months. They embody considerations over affordability, worries that enormous numbers of residents will drop their protection due to the will increase, and a scarcity of transparency on the adjustments from FEMA, which oversees the Nationwide Flood Insurance coverage Program.

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Involved the adjustments might dramatically reshape elements of the housing market in south Louisiana – probably pricing out working-class households or resulting in foreclosures – the coalition has been making an attempt to construct nationwide assist to roll again features of the brand new system. It introduced the examine to the NFIP’s management in Washington on Sept. 21.

“For these of us who’ve lived via Katrina, and the storms in Baton Rouge and others and Ida, we do not want this on anyone. It is devastating,” mentioned GNO Inc. head Michael Hecht. “However purely when it comes to framing the talk and the politics of it, we additionally know that Florida, with its inhabitants, with its political energy and its profile, experiencing Ian … goes to reframe the talk on flood insurance coverage.”

Hecht pointed to how Hurricane Sandy, which flooded New York Metropolis in 2012, helped focus consideration on an earlier bid to transform NFIP premiums underneath a legislation generally known as Biggert-Waters. Elements of that legislation had been finally repealed.






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Wind and water injury from Hurricane Ida is seen in Chackbay on Aug. 31, 2021.



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122% will increase

The flood insurance coverage overhaul is named Danger Score 2.0. It goals to have the NFIP set charges according to actuarial practices used within the non-public sector, which might assist this system handle its roughly $20 billion debt.

Which means evaluating the dangers of every particular person dwelling slightly than utilizing the previous system largely based mostly on FEMA’s flood maps. A variety of things, together with rebuilding price, distance to water and elevation, are fed into a posh algorithm that calculates premiums.

FEMA defends it by saying it will likely be fairer for all, removing a system that resulted in older, modest properties basically subsidizing premiums for newer, pricier beachfront homes.

However there are deep considerations over unintended penalties in south Louisiana, the place everybody lives close to water of some variety. Louisiana has the nation’s highest participation fee within the NFIP.

FEMA has launched restricted knowledge on the will increase, offering solely first-year numbers underneath the brand new system. However as a result of will increase are restricted to 18% yearly, that masks the general influence. These annual will increase will proceed till householders attain their “goal” fee underneath the brand new system, compounding dramatically over time in some instances.

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The Instances-Picayune | The Advocate, via a public-records request, obtained FEMA’s projections of Louisiana’s “full threat premiums.” They present that Louisiana householders will finally see 122% will increase on common underneath Danger Score 2.0, phased in over a number of years.







082822 Flood Insurance costs

Elements of flood-prone southeast Louisiana are prone to see far bigger jumps; intensified storms attributable to local weather change might additionally trigger additional will increase.

The adjustments started for brand spanking new insurance policies in October 2021. Present policyholders started to see them with their first renewal beginning in April.

New policyholders usually are not topic to the 18% annual cap and pay the total premium instantly, and that has in some instances led to sticker shock for dwelling patrons in south Louisiana.

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‘Destroy the housing market’

State Insurance coverage Commissioner Jim Donelon, St. Charles Parish President Matthew Jewell and Jefferson Parish President Cynthia Lee Sheng all warned of the influence the adjustments might have on Louisiana at Friday’s launch.

“Danger Score 2.0, if it continues the best way that FEMA has carried out it, will destroy the housing market in southeast Louisiana, and that can domino onto the larger financial system in southeast Louisiana, as a result of folks will merely not be capable of afford to stay right here,” Jewell mentioned, whereas pointing to measures his parish has taken to make St. Charles safer.

The examine, carried out with the Tambala Technique consultancy, factors to knowledge displaying how the will increase might weigh on an already heavy burden for householders at places in a wide range of states.







Larose flooding during Hurricane Ida

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This aerial photograph exhibits flooding of North American Shipbuilding and neighboring properties in Larose alongside the Gulf Intracoastal Waterway after Hurricane Ida. (North Lafourche Levee District) 




Greater than 1 / 4 of Louisiana householders with mortgages are already thought of housing-burdened, which means they spend greater than 30% of their earnings on housing prices, it says.

These numbers are considerably increased in Jefferson and Orleans parishes: 37.8% in Orleans and 29.5% in Jefferson.

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The examine recommends decreasing the annual cap on will increase, providing assist to householders who can’t afford them and creating a publicly out there device to permit residents to see their charges and proper potential errors in what they’re being charged.





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Louisiana

Shoppers react to rule changes for those under 18 at Mall of Louisiana

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Shoppers react to rule changes for those under 18 at Mall of Louisiana


BATON ROUGE, La. (WAFB) – On June 25, the Mall of Louisiana announced its implementation of the ‘Parental Guidance Required’ (PGR) program that will go into effect on Friday, June 28.

Mall of Louisiana announces adult supervision policy for guests under 18

WAFB spoke with many shoppers about what this means and heard their thoughts on the new changes.

Meleia and J.B. Nelson say they think this is a great idea that will keep shoppers and employees safe.

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“Sometimes the kids get rowdy…you know, especially on Fridays and Saturdays,” Meleia says.

“A lot of them don’t mean any harm, they’re just having fun but sometimes they can get out of hand and they need someone like maybe more security guards that might be around at that time,” J.B. says.

Other shoppers agree. Carmen Richard and Aaliyah Rodruiguez say they saw a group of young men being escorted out by security guards and voices being raised the last time they were at the mall.

“I feel like it is definitely a benefit to the whole mall.” Richard says.

The friends say it may be tough for those almost 18 years old, but they believe it will be beneficial in minimizing the potential of unsupervised incidents.

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“Yeah I think it’s sad we have to do it, but hopefully it’ll be better to make it more of a family environment,” Rodruigez says.

WAFB also spoke to one woman who is visiting Baton Rouge from Egypt, Nada Elkaffas. She says in the malls she shops at in Egypt, there are no such rules.

“Coming from a culture that is so strict and conservative, we don’t do this there, so it’s kind of weird, it’s kind of bizarre actually,” Elkaffas said. ” It’s a very critical age, but at the same, time we should trust our kids.”

Mall officials say this rule is a permanent change. Guards will be located at every entrance of the malls and at the entrances to the malls from department stores.

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Louisiana Passes Public Schools Ten Commandments Law, Parents and Clergy Sue – by Jan Wondra – Ark Valley Voice

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Louisiana Passes Public Schools Ten Commandments Law, Parents and Clergy Sue – by Jan Wondra – Ark Valley Voice


This past week, Louisiana became the first state in the nation — or the nation’s history for that matter — to pass a state law requiring that a suitably-produced copy of the Ten Commandments be posted in every public school classroom of every school, at all grade levels through university level.

Civil rights groups on Monday filed a lawsuit against Louisiana’s House Bill 71, which mandates that all public schools display the Ten Commandments. File Photo by Michael Kleinfeld/United Press International.

The law, HB 71, stipulated that this posting would be paid for by donations — but that has not silenced objectors. Nor has it negated the fairly obvious intrusion of a political movement known as “Christian nationalism” into politics, our daily lives, and schools.

A lawsuit was filed Monday, June 24 by a group of public school parents, as well as clergy against the mandated display of the Ten Commandments, the group known as Americans United for the Separation of Church and State, the Freedom From Religion Foundation, and offices of the ACLU (American Civil Liberties Union).

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‘This is religious favoritism, and it is not only dangerous but runs counter to my religion and faith,’ said Presbyterian Church (USA) minister and plaintiff in the case the Rev. Jeff Sims.

Speaking at a press conference after the suit was filed, the head of Americans United for the Separation of Church and State, Rachel Laser, pointed out that several other states [Oklahoma, Mississippi, and South Carolina] have introduced similar bills attempting to dictate public morality. Calling this an example of “the Christian nationalism that is on the march across this country” she said that Texas has also already passed a law allowing public schools to enlist chaplains.

Communicating with several journalists in the past few days, we noted it could reasonably be asked that if anything is required to be posted in every classroom in a state, it should be the law of this land — the  United States Constitution, not a Christian document.

In fact, the posting of the TEn Commandments would appear to violate the establishment clause of the First Amendment: “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof;”

This is a multi-cultural nation. The reaction across the U.S. may not be what the Louisiana legislators thought they might see. Objections are not just being voiced by those of other religions, from Jewish to Muslim, and Hindus, but by the leadership of Christian denominations, including the mainline protestant faiths.

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According to Religious News Service, “the plaintiffs argue the statute unfairly privileges a specific version of Christian scripture in addition to impinging on the rights of the nonreligious and those of other faiths.” Further, they say, “the law violates their First Amendment right to religious freedom as well as the U.S. Constitution’s prohibition against establishing a state religion.

“This simply cannot be reconciled with the fundamental religious-freedom principles that animated the founding of our nation,” reads the complaint, which notes no federal court has upheld the display of the Ten Commandments in a public school setting.

The plaintiffs in this case are a mixture of religious and non-religious parents, and include clergy who object to a narrow interpretation of religion.

“By subjecting my children to permanent displays of scripture in every classroom, the Ten Commandments conflicts with this principle,” said Unitarian Universalist Minister Rev. Darcy Roake. According to Religious News Service (RNS) she pointed out “that among her faith tradition’s seven principles is a call for “the right to a free and responsible search for truth and meaning,” that her husband is Jewish and that they have raised their children in a multi-faith household.

“My husband believes this state-mandated version of the Ten Commandments does not conform with his Jewish faith either, because the displays misappropriate and alter the text of the Ten Commandments as they are set out in the Torah,” she told a RNS reporter.

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There is more irony — turns out that the Louisiana law requires the Ten Commandments to be posted in English — but of course the original ten were in Hebrew.



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Mall of Louisiana announces adult supervision policy for guests under 18

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Mall of Louisiana announces adult supervision policy for guests under 18


BATON ROUGE, La. (WAFB) – Teens and kids wanting to visit the Mall of Louisiana in Baton Rouge will soon have to have an adult accompany them on Friday and Saturday evenings.

Officials with the Mall of Louisiana announced that beginning Friday, June 28, a Parental Guidance Required (“PGR”) program will be in effect at the Mall of Louisiana on Friday and Saturdays after 4 p.m.

As part of the program, officials say guests under 18 years old will be required to be accompanied by a parent or supervising adult who is at least 21 years old while they are on the shopping center property, including in the parking lot and exterior sidewalks.

The Mall of Louisiana released the following statement about the change:

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Beginning Friday, June 28, a Parental Guidance Required (“PGR”) program will be in effect at the Mall of Louisiana on Friday and Saturdays after 4 p.m. The PGR program requires that all guests under 18 years of age be accompanied by a parent or supervising adult who is at least 21 years old. The PGR program will be strictly enforced throughout the entire shopping center property, including the parking lot and exterior sidewalks.

“We strive to provide a safe shopping experience for every visitor and are constantly evaluating our comprehensive security program to meet the changing needs of our customers and merchants. Therefore, we will be implementing our Parental Guidance Required (PGR) program.” Gene Satern, senior general manager of the Mall of Louisiana said, “I want to stress that everyone is still welcome at our center, but on weekends moving forward we require families to shop together.”

During PGR hours, trained public safety officers will be stationed at the Mall of Louisiana entrances to check IDs of visitors who appear to be younger than 18 years old. Those who cannot provide a valid photo ID showing they are at least 18 years of age will need to be accompanied by a parent or supervising adult to stay at the shopping center. One adult may accompany up to four youths and must remain with them through the duration of the shopping experience.

Those who provide proper identification to indicate that they are at least 18 years old will be offered an optional wristband. Those who choose not to wear the wristband may be asked for ID again by safety officers inside the shopping center. Valid identification includes a state issued driver’s license or ID card, a military ID, a school ID card, or a passport. The identification must be tamper-proof and include a photograph and date of birth.

Announcements will be made inside the Mall of Louisiana starting at 3:00 p.m. on Fridays and Saturdays, giving unsupervised youths ample time to complete their shopping or dining before PGR begins. After 4:00 p.m. public safety officers inside the shopping center will check IDs of individuals who appear to be underage and are not wearing wristbands.

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The Mall of Louisiana is located at 6401 Bluebonnet Blvd., Baron Rouge, LA 70836.

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