SPEAKER INDEX CONTENTS INSERTS BAKER 5 17 BEREUTER 9 17 25 26 27 39 40 41 42 43 44 BERGINNIS 30 32 41 42 43 BLUMENAUER 13 CLAY 3 LOWE 18 21 22 23 24 25 26 27 29 NEY 1 3 4 5 9 13 16 17 21 22 23 25 27 29 32 33 35 36 38 41 42 44 NIELSEN 33 40 44 SCOTT 4 27 28 WATT 3 23 24 25 WILLETTS 37 39 40 41 42 WILLEY 35 39 43 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. RICHARD H. BAKER, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF LOUISIANA PAGE 5 STATEMENT OF HON. DOUG BEREUTER, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF NEBRASKA PAGE 9 STATEMENT OF HON. EARL BLUMENAUER, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF OREGON PAGE 13 STATEMENT OF ANTHONY LOWE, MITIGATION DIVISION DIRECTOR AND FEDERAL FLOOD INSURANCE ADMINISTRATOR, EMERGENCY PREPAREDNESS AND RESPONSE DIRECTORATE, DEPARTMENT OF HOMELAND SECURITY PAGE 18 STATEMENT OF CHAD BERGINNIS, VICE CHAIR, ASSOCIATION OF STATE FLOOD PLAIN MANAGERS PAGE 30 STATEMENT OF GERALD NIELSEN, NIELSEN LAW FIRM, METAIRIE, LA PAGE 33 STATEMENT OF FLETCHER J. WILLEY, GOVERNMENT AFFAIRS COMMITTEE, FLOOD INSURANCE TASK FORCE CHAIR, INDEPENDENT INSURANCE AGENTS AND BROKERS OF AMERICA PAGE 35 STATEMENT OF FREDERICK WILLETTS III, PRESIDENT AND CEO, COOPERATIVE BANK, WILMINGTON, NC ON BEHALF OF AMERICA'S COMMUNITY BANKERS PAGE 37 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING