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A Bill that would offer some relief to those facing flood insurance payments as high some annual salaries passed in the U.S. House Monday night but it still has to go through the Senate.

Bill H-3370, also called the Homeowner Flood Insurance Affordability Act. Congress wants offset the impact of the Biggart Waters Act-- which was put in place to reform the National Flood Insurance Program after costly impacts from Super-Storm Sandy or Hurricane Katrina.

For homeowners, what separates a small concern from a life changing issue? Things like: was the home built after a certain date, how high and how close to water?

Why don't those who are concerned about a massive insurance payment move? It's not that easy now. Try selling it after a potential buyer gets wind of the cost for flood insurance. Rates are going from $800 to $30-thousand annually in some areas. West Ashley and Capri Drive resident Meredith Dieppe was one of the Lucky ones in her neighborhood where others, who live just houses down, could have to pay up to $30-thousand a year.

"Homeowner's seems to go up every year just because the flood zone we're in.  If you are not grand fathered in it can create major problems in your financial situation."

The Charleston Trident Association of Realtors' Government Affairs Director Ryan Castle said a lot of people think the hikes are for only those who can actually afford it – not true.

"It's lot by lot neighborhood by neighborhood, it's street by street and it's house by house based on how high it was built above base flood elevation."

U.S. District 1 Representative Mark Sanford co-sponsored the bill. The Bill if passed would allow those who have already paid the high rate to be reimbursed.

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