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The most common type of floodlight was the metal-halide lamp, which emits a bright white light (typically 75–100 lumens/Watt). Sodium-vapor lamps are also commonly used for sporting events, as they have a very high lumen to watt ratio (typically 80–140 lumens/Watt), making them a cost-effective choice when certain lux levels must be provided. [4]
However, claimants far outnumber the availability of flood insurance, since most private insurers view the probability of generating a profit from related premium payments to be remote. [5] In certain flood-prone areas, the federal government requires flood insurance to secure mortgage loans backed by federal agencies such as the FHA and VA.
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