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