With one glaring gaffe, U.S. Senator Hillary Rodham Clinton inadvertently exposed one of the biggest problems facing the National Flood Insurance Program–the fact that too few outside the industry have a clue about what the coverage entails, whether they need it, or even who writes it.

In a July 1 letter, the New York Democrat called on Allstate’s chief executive to “reconsider and explain” what was referred to in her press release as the company’s “irresponsible decision” to “drop the flood insurance policies of 30,000 homeowners who reside in New York’s coastal counties.”

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