Not affected me, cuz Im on zone that is extremely UNLIKELY to get flooded. I feel bad for those who are on flood zones, when I bought my house I had to make sure my house is in the impossible flood zone so I don't worry. Homeowner insurance won't cover flood damages. I learn from my parents, thanks them!
In other words, I think it is not really fair to slap unexpected rocket style premium increase at super sonic speed.
Not only that, but those who mortgage started on or after 2008 (Correct me if I am wrong) will be paying mortgage insurance premium more than before and no longer cut off during the term of mortgage. In other word cut off of 78% LTV on 30 years term mean when the principal balance reached 78% from Assessed value, the mortgage insurance premium will be discontinued. Not anymore!