The unfortunate lasting effect of this storm, as well as others in the recent past, will be significant changes to the FEMA National Flood Insurance Program. This "insurance", which in no way is managed or priced like insurance, combined with new flood zone mapping of dubious accuracy will end up costing many homeowners tens of thousands of dollars EACH in annual premiums. Everyone's premiums are on the rise. Towns on the Cape have held numerous public meetings with FEMA reps and legislators to understand the changes and lobby for a more sane approach. Oddly, I've heard and seen nothing from the Vineyard community on this issue. Time to get active, people.