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The Assigned Risk program is appropriate for individuals like Frank who are deemed uninsurable through standard auto insurance channels. This program provides a way for drivers who may have a history of claims, traffic violations, or other risk factors making them ineligible for typical policies to still obtain basic auto insurance coverage. The program essentially pools the risk among all insurance companies, allowing those who are otherwise uninsurable to still find necessary coverage.

The other options, while related to insurance, do not specifically address the needs of those seeking auto insurance. The Flood Insurance program is focused exclusively on flood risk and property insurance, rather than vehicle coverage. The High-Risk Market program may sound relevant, but it typically refers to markets that cater to individuals with higher risk profiles but is not as commonly referred to in the context of auto insurance specifically. The Residual Market program could generally apply to various types of insurances but isn't specifically aimed at auto coverage. Thus, the Assigned Risk program stands out as the most fitting solution for Frank's situation.