SPEAKER INDEX CONTENTS INSERTS ARMSTRONG 35 BAKER 37 BENTSEN 10 15 17 18 19 20 22 35 36 37 BEREUTER 4 14 17 19 20 22 32 34 62 64 65 BLUMENAUER 8 14 20 CONRAD 52 55 56 61 66 CZERWINSKI 45 58 60 68 FRANK 30 GOODE 66 JONES 18 21 22 24 30 31 32 41 43 KELLY 4 39 67 68 LAZIO 1 3 4 8 10 13 14 16 18 21 23 27 29 30 32 34 37 39 41 43 48 52 55 56 57 58 62 65 67 68 PROCACCINI 68 QUINN 48 57 59 64 65 67 ROUKEMA 16 17 18 TERRY 18 21 VENTO 58 60 62 WITT 23 24 28 29 30 31 32 33 34 35 36 40 42 43 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. DOUG BEREUTER, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF NEBRASKA PAGE 4 STATEMENT OF HON. EARL BLUMENAUER, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF OREGON PAGE 8 STATEMENT OF HON. KEN BENTSEN, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF TEXAS PAGE 10 STATEMENT OF HON. JAMES LEE WITT, DIRECTOR, FEDERAL EMERGENCY MANAGEMENT AGENCY; ACCOMPANIED BY JO ANN HOWARD, ADMINISTRATOR, FEDERAL INSURANCE ADMINISTRATION; AND MICHAEL ARMSTRONG, ASSOCIATE DIRECTOR, MITIGATION DIRECTORATE PAGE 23 STATEMENT OF STANLEY J. CZERWINSKI, ASSOCIATE DIRECTOR, HOUSING AND COMMUNITY DEVELOPMENT ISSUES, RESOURCES, COMMUNITY, AND ECONOMIC DEVELOPMENT DIVISION, U.S. GENERAL ACCOUNTING OFFICE; ACCOMPANIED BY ROBERT PROCACCINI, ASSISTANT DIRECTOR PAGE 44 STATEMENT OF REBECCA QUINN, ASFPM LEGISLATIVE OFFICER, ON BEHALF OF THE ASSOCIATION OF STATE FLOODPLAIN MANAGERS, INC. PAGE 48 STATEMENT OF DAVID R. CONRAD, WATER RESOURCES SPECIALIST, OFFICE OF FEDERAL AND INTERNATIONAL AFFAIRS, NATIONAL WILDLIFE FEDERATION PAGE 52 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING