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<br />Michael Ellegood, Flood Control District of Maricopa County, Arizona, suggested the <br />following: <br /> <br />. There should be floodplain insurance for everyone who has a mortgage; nationally, 35 <br />percent of all claims are made by people who do not live in a designated floodplain. <br /> <br />. Hazards should be determined not just on the basis of elevation but also on geomorphology <br />and erosion of watercourses. <br /> <br />Larry Larson, Association of State Floodplain Managers, suggested modifications to the <br />previous recommendations: <br /> <br />. Examine all recommendations and program policies and make development decisions on the <br />basis of "no adverse impact" on the floodplain; this concept takes into consideration future <br />conditions. <br /> <br />. Encourage and provide incentives for communities to develop comprehensive community <br />plans so more communities can accomplish what Tulsa has done. <br /> <br />Richard Krimm, Federal Emergency Management Agency, retired, recommended that <br /> <br />. Insurance companies should redline new or rebuilt structures in velocity zones and <br />floodways. <br /> <br />. FEMA should promote setbacks in high-erosion coastal areas. <br /> <br />Mr. Witt responded that a recent study showed that 64 percent of people had no idea how to <br />prevent flooding disasters. In the 1990s, 2.5 million Americans moved into the southern and <br />southeastern United States. This means that many people are moving into high-risk flood and <br />hurricane-risk areas and are unaware of the risks and have no knowledge of prevention. <br /> <br />JoAnn Howard, Federal Emergency Management Agency, added that she believes the national <br />policy needs to move from a loss-prevention focus to beneficial use of the floodplain. <br /> <br />Brett Hulsey, Sierra Club, Midwest Office, pointed out that many FIRMs are based on 50-year- <br />old data. In repetitive-loss situations, updating FIRMs should be a priority and part of the <br />disaster assistance package. He also expressed appreciation for FEMA's leadership on the U.S. <br />Army Corps of Engineers (USACE) replacement for Nationwide Permit 26. <br /> <br />Mr. Witt responded that in the FY 2001 budget, FEMA has requested, and the House has <br />approved, $30 million to revise FIRMs after a disaster. <br /> <br />Jon Kusler, Association of State WetlandManagers, expressed his support for Mr. Larson's <br />position of a no-adverse-impact policy. <br /> <br />Floodplain Management Forum <br /> <br />14 <br />