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FEMA says provision in appropriations act does not roll back flood insurance rate hikes.
Legislation that would delay flood insurance rate hikes unlikely to pass in the House as written.
Failure to pass the bill could mean skyrocketing premiums that could drop home values, NAFCU's Brad Thaler says.
Federal court may consider staying some of the rate hikes, research attorney says.
Mississippi-filed lawsuit now seen as last chance to stop January rate hikes.
R Street Institute pundit says NFIP reforms were too modest.