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<br />. Strengthen the standards for LOMAs; eliminate grandfathering; consider eliminating <br />insurance subsidies to pre-FIRM structures; and require insurance for replacement cost, not <br />loan balance. <br /> <br />. Promote more State and local responsibility and accountability. <br /> <br />W. Craig Fugate, Bureau Chief of Preparedness and Response, Department of Community <br />Affairs, Florida Division of Emergency Management <br /> <br />Mr. Fugate stated that we all need to do a better job of communicating risk. Most citizens are <br />uninformed. The terms "1 DO-year storm" or "SOD-year flood" do not adequately convey either <br />the severity or potential of the hazard to most citizens. Education is needed to decrease public <br />demand for floodplain development. Local authorities cannot regulate people out of hazardous <br />areas until demand from the public, developers, and realtors subsides. There should be a special <br />"extreme high-hazard" insurance rate for those people who continue to build or rebuild in areas <br />that experience repetitive damage. <br /> <br />Michael Davis, Deputy Assistant Secretary of the Army Civil Works, V.s. Army Corps of <br />Engineers <br /> <br />After thanking the organizers of this Forum and FEMA for their leadership in promoting good <br />floodplain management, Mr. Davis reiterated the Corps' commitment to good floodplain <br />management policies. He listed some of the progress that has been achieved: <br /> <br />. The Water Resources Act of 1999 was signed and contained "Challenge 21," which provides <br />money for nonstructural flood-reduction projects and ecosystem restoration in the floodplain. <br /> <br />. FEMA and the Corps recently signed a Memorandum of Agreement (MOA) to bring together <br />FEMA's HMGP and the Corps' Flood Damage Reduction Program. <br /> <br />. There are new policy regulations in the Clean Water Act Regulatory Program-prohibitions <br />and substantial restrictions in nationwide permits that replace Nationwide Permit 26. <br /> <br />. The proposed Water Resources Development Act of 2000 would provide for the restoration <br />of the Everglades, lower the non-Federal cost-share for structural flood protection to <br />50 percent, and keep nonstructural protection at 6S percent to create incentives for <br />nonstructural alternatives. <br /> <br />· There is also proposed legislation requiring local communities to have better floodplain <br />management plans to be eligible for Army Civil Works flood-reduction projects. <br /> <br />. The Corps supports the effort to revise Executive Order 11988 on floodplain management. <br /> <br />Floodplain Management Forum <br /> <br />19 <br />