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