SPEAKER INDEX    CONTENTS   INSERTS   
BAKER            9     10     22     25     26     27     28     30  
BENTSEN         13     20     21     22     25     29     30     33  
BEREUTER         4     23     25     26     29     48     49     50     51  
                76     79     80     81     82     83  
BLUMENAUER      16     31     33  
CARSON          24     26  
CONRAD          67     73     74  
CZERWINSKI      39     47  
ISRAEL          32     33     34  
KELLY           19     20     21     22     52     53     54     55     56  
LEIKIN          46     49  
MILLER          26     27     28     29     30     31  
OXLEY            8  
QUINN           42  
RICHARDS        58     74     75     80     82  
ROUKEMA          1      7      8      9     13     16     19     23     24  
                25     26     29     31     32     34     35     36     38  
                41     45     46     47     48     51     56     57     62  
                67     72     73     74     75     79     82     83  
SHEA            35     36     46     50     52     53     55     57  
WILLEY          62     63     79     80     81  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. DOUG BEREUTER, A MEMBER OF CONGRESS FROM THE STATE OF NEBRASKA 
                                                                 PAGE     4

STATEMENT OF THE HON. RICHARD H. BAKER, A MEMBER OF CONGRESS FROM THE STATE OF LOUISIANA
                                                                 PAGE     9

STATEMENT OF HON. KEN BENTSEN, A MEMBER OF CONGRESS FROM THE STATE OF TEXAS
                                                                 PAGE    13

STATEMENT OF HON. EARL BLUMENAUER, A MEMBER OF CONGRESS FROM THE STATE OF OREGON
                                                                 PAGE    16

STATEMENT OF ROBERT F. SHEA, JR., ACTING ADMINISTRATOR, FEDERAL INSURANCE AND MITIGATION 
ADMINISTRATION, FEMA
                                                                 PAGE    36

STATEMENT OF STANLEY J. CZERWINSKI, DIRECTOR, PHYSICAL INFRASTRUCTURE ISSUES, U.S. GENERAL 
ACCOUNTING OFFICE
                                                                 PAGE    38

STATEMENT OF REBECCA QUINN, LEGISLATIVE OFFICER, ASSOCIATION OF STATE FLOODPLAIN MANAGERS, INC.
                                                                 PAGE    42

STATEMENT OF TIMOTHY RICHARDS, PRESIDENT, NEW JERSEY ASSOCIATION OF REALTORS, ON BEHALF OF THE 
NATIONAL ASSOCIATION OF REALTORS
                                                                 PAGE    57

STATEMENT OF FLETCHER J. WILLEY, GOVERNMENT AFFAIRS COMMITTEE, INDEPENDENT INSURANCE AGENTS OF 
AMERICA
                                                                 PAGE    63

STATEMENT OF DAVID R. CONRAD, WATER RESOURCES SPECIALIST, OFFICE OF FEDERAL AND INTERNATIONAL 
AFFAIRS, NATIONAL WILDLIFE FEDERATION
                                                                 PAGE    67


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING