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<br />. Risk information is not easily accessible. <br /> <br />. Insurance agents want simpler products, information, and access. <br /> <br />. Insurers should get rate modifications that are based on repeated loss or mitigation steps. <br /> <br />. Scheduling buildings in communities would eliminate the need for individual elevation <br />certificates. <br /> <br />. More information is needed for better decisions and changes in policy. <br /> <br />. Erosion rates need to be included in setting insurance rates. <br /> <br />. There is not enough participation. It needs to be easier for insurance agents to write policies. <br /> <br />. There is a land use mechanism in this country through flood insurance. <br /> <br />. Redline in floodways. <br /> <br />. Are we moving in the right direction with flood insurance? <br /> <br />Mr. Hulsey reiterated that the public needs more readily available information and education <br />about flood risks. At present, it is almost an afterthought at the time of settlement. One <br />possibility would be putting National Wildlife Federation's repetitive-loss database on the <br />Internet. <br /> <br />Ms. Ho/lada reinforced the earlier suggestions that everyone should have flood insurance and <br />that it should be part of an all-perils property policy funded by the insurance industry, not <br />through the NFIP. She further indicated that there will probably always be a need for a disaster <br />program, but more floodplain management should happen at the local level. <br /> <br />Mr. Ford suggested an incentive program such as a flood mitigation, tax credit program similar <br />to energy tax incentives. <br /> <br />Ms. Howard added that they had considered another incentive program aimed to obtain near 100 <br />percent compliance for banks. <br /> <br />Mr. Armstrong added insurance credits for mitigation efforts (e.g., shutters, seismic <br />strengthening) similar to credits for clean driving records and smoke alarms. <br /> <br />Ms. Cameron stated that educational efforts are more productive when directed to the public <br />rather than to public officials and that a term other than "IOO-year floodplain" needs to be <br />developed. <br /> <br />Mr. Conrad indicated that although he understands the insurance industry's need to be able to <br />craft a policy easily, he feels that ratings themselves can convey a sense of risk. <br /> <br />Floodplain Management Forum <br /> <br />34 <br />