To the Stone Harbor Spouter complaining about mandatory flood insurance info on wasted paper, maybe you should read up on FEMA's requirements in the 600+ page CRS Manual. This info along with two additional mailings, including one to address Repetitive Loss properties to all those in the Rep Loss Area and a 2nd detailing the Borough's mandatory annual insurance meeting for the NJPPI membership are what get you 25% off your flood insurance. Maybe you should be thankful that your Zoning Officer for doing what he's paid to do.