FEMA Chief: Congress, Not FEMA, Has Power to Delay NFIP Rate Increases The head of the Federal Emergency Management Administration said his hands are tied when it comes to flood insurance rates, despite growing concern among coastal members of Congress that increased premiums approved last year will make it difficult for homeowners to afford coverage. http://www3.ambest.com/ambv/bestnews/newscontent.aspx?AltSrc=105&RefNum=168694