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They could be blended into property hazard insurance with other perils and based on sound actuarial rates. Incentives for property owners to take an active part in flood prevention could include rating discounts and credits for mitigation efforts. Ms. Hollada urged creative thinking in meeting these challenges. Sue Cameron, Commissioner, IiUamook County Commission, TiUamook County, Oregon Ms. Cameron related the Tillamook County experience. She encouraged a policy shift toward more holistic floodplain management that restores wetlands and tidal sloughs, improves floodplain capacity and connectivity, and preserves wildlife habitat. She questioned the reliability of FIRM data to predict flood depths and related that they now require a 3-foot freeboard. They also have adopted a repetitive-loss provision to discourage payouts in repeated-flood-event areas. Ms. Cameron supports: · The current standard of 100-year (I-percent annual chance) flood, but it would be helpful to include 500-year floodplain data. . Current conditions mapping, not future conditions mapping with more robust hydrodynamic models and alternative data sources. · More complete mapping of coastal hazards, including the protective effects of foredunes, risk oflandslides, and wave record data sources. . Improvement in designation offloodways, especially in tidally influenced, drowned river mouths. . Coastal mapping that includes identification of areas subject to velocity flooding and erosion and eliminating subsidies for development in high-risk areas. · Increased funding for risk-reduction activities such as elevating and acquiring structures in high-risk areas. Ms. Cameron does not support extending the mandatory purchase of insurance to areas outside the 100-year floodplain. George Bernstein, Federal Emergency Management Agency, retired Use the leverage you have to get managers planning. Floodplain Management Forum 22