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<br />Mr. Howard Leikin, Deputy Administrator, FlA, indicated that the new Heinz report might offer <br />justification for modifying policy and rating schemes to incorporate erosion data in V zones. <br /> <br />Mr. Wetmore indicated that the term "IOO-year floodplain" must be recrafted to convey a sense <br />of risk to the layperson, especially in light of IOO-year floods happening every few years. He <br />reinforced Mr. Kusler's idea about a holistic, conceptual approach to floodplain management <br />rather than defining standards in detail. <br /> <br />Mr. LeQuang stated that recently he has been involved in trying to clarify the rating of a specific <br />property. He was concerned when told by FIA personnel "not to wonry about it, because it will <br />all be resolved at the time of claim." He also pointed out that the NFIP is inequitable because it <br />only applies to those properties with mortgages held by federally regulated lenders. He further <br />suggested that, structurally within FEMA, the recovery and insurance functions should not be <br />under the same umbrella. Mr. LeQuang restated the recommendation that the basic NFIP policy <br />needs to be amended to perform like other homeowner coverage: contain replacement coverage, <br />eliminate the need for a coinsurance penalty, provide for additional living expenses, and provide <br />for an automatic inflation escalator. <br /> <br />Mr. Larson spoke about clarifying risk terminology: "One-percent risk" is better than" I OO-year <br />floodplain," but "high" or "moderate" is more common terminology. He also addressed <br />mapping accuracy: FEMA needs to map only to regulate for the flood hazard, but individual <br />communities can map for many more things to help them manage their watershed. He <br />recommended that FEMA give communities not only minimum standards to meet but also <br />incentives for doing more. <br /> <br />Mr. Searchinger stated his belief that the IOO-year flood map creates a false precision that is not <br />accurate for all the reasons that have been mentioned. He suggested that the rationale for <br />changing the regulation might be that FEMA needs to be able to defend a regulatory "line" that <br />does not in turn quantify the risk inaccurately. <br /> <br />Mr. Ellegood related that in Arizona, education and outreach are one third of the program. He <br />suggested several activities that they have used in public education: listing flood zones on real <br />estate property settlement sheets, erecting a booth at trade shows with aerial photographs and <br />interactive map overlays, placing these same tools on the Internet, enclosing flyers in water bills, <br />and educating children through schools and Scouts. <br /> <br />Facilitated Discussion: Floodplain Management <br /> <br />Mr. Armstrong introduced this discussion by listing some of the issues that were mentioned <br />earlier today and required more discussion: <br /> <br />. More State and local responsibility for initiative, financial, political, legislation, and codes, <br />building on Federal resources. <br /> <br />. Incentives/disincentives; financial, regulatory, or punitive. <br /> <br />Floodplain Management Forum <br /> <br />35 <br />