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CONTRIBUTING AUTHORS Christopher R. Ad<lm~, Colorado State University Daniel Alesch, University of Wisconsin at Green Bay J<lrnes Ament, State Farm Fire and Casualty Company Jill Andrews, University of Southern California Norbert S. BOler. New York University Jay Bakel. Florida State University Conrad Battreal, U.s. Army COlpS of Engineers Timothy Beatley, University of Virginia at Charlottesville Stephen O. Bender, Organization of American States Philip R. Berk{', Univmity of North Carolina at Chapel Hill Dennis Black, Colorado State University B. Wayne Blanchard, Federal Emergency Management Agency Robert Bolin, Arizona State University Patricia A Bolton, Battelle Human Affairs Research Center Linda B. Bourque, University of California at Los Angeles David Brower, University of North Carolina at Chapel Hill William M. Brown, Us. Geological Survey Ian G. Buckle, State University of New York at Buffalo Angelia P. Bukley, National Aeronautics nnd Space Administration Raymond J. Burby, University of New Orleans Bonnie Butler, Federal Emergency Management Aqenry David L. Butler, University of Colorado at Boulder Peggy A. Case, Terrebonne Rendiness <Jnd Assistance Coalition Harold Cochrane, Colorado State University Nicolas Colmenares, Univrrsity of Colorado at Boulder Louise Comfort, University of Pittsburgh James N. Corbridge, Jr., University of Colorado at Boulder Susan L. Cutter, University of South Carolina at Columbia JoAnne DeRouen Darlington, Colorado State University James F. Davis, California ~ivision of Mines and Geology Robert E. oeyle, Florida State University John A orClcup, University of California at Los Angeles Thomas Durham, Central Us. Earthquake Cunsortium Ute Dymon, Kent State University Charles Eadie, City of Watsonville David Etkin, Environment Canada Dean C. Flesner, StClte hum Fire and Casualty Company Betsy Forrest, University of Colorado at Boulder Alice Fothergill, University of Colorado at Boulder Steven P. French, Georgia Institute ofTechnology Karen Gahagan, Institute for Business and Home Safety Luis A. Garcia, Colorado State University Dnvid F. Gillespie, Washington University David R. Godsehalk, University of North Carolina at Chapel Hill Joseph H. Goldcn, National Oceanic and Atmospheric Mministration Marjorie Greene, EarthqLJakc Engincering Research Institute 14 Eve Gruntfest. University of Colorado at Colorado Springs Neil Hawkins, University of Illinois at Urbana-Champaiyn Walter Hnys, Us. Geologieal Survey James P. Heaney, University of Colomdo <:it Boulder Edward J. Hecker, Us. Army Corps of Engineers Henry Hengeveld, Environment Canada Michael Hodgson, University or South Carolina at Columbia Ken Hon, Us. Geological Survey Dale Jamieson, University of Colorado at Boulder Brian Jarvinen, National HIJrficane Center Edward J. Kaiser, Univmity of North Carolina at Chapel Hill Jack D. Kartez, University of Southern Maine Robert Klein, National Association of Insurance Commissioners Howard Kunreuther, University of Pennsylvania at Philadelphia James F. Lander, University of Colorado at Boulder Larry Larson, Association of State Floodplain Managers Eugene L Lecomte, Institute for Business and Home Safety Michael K. Lindell, Texas A Et M University Rocky lopes, American Red Cross George Mader, Spangle Associates ~nrique Maestas, University of Texas at Austin Robert Martin, University ot California at Berk.eley William Martin, lIT Hartford Petrr J. May, University of Washington at Seattle James McDonald, Texas Tech University Elaine McReynolds, Federal Emergency Management Agency Kishor Mehta, Texas Tech Urliversity Mario Mejia-Navarro, Colorado State University Jerry Mitchell, University of South Carolina at Columbia Elliott Mittler, University of Wisconsin at Grern Bay Jacquelyn L Monday, JLM Associates Betty Morrow, Florida International University John Mulady, United Services Automobile Association John-Paul Mulilis, Pennsylvania St<lte University at Monaca Susan Murty, University of Iowa at Iowa City Mary Fran Myers, University of Colorado at Boulder Sarah K. Nattie, California Office of Emergency Services David Neal, University of North Texas Joanne M. Nigg, University of Delaware Stuart Nishcnko, Fcderal Emergency Management Agency Frank.lin W. Nutter, Reinsurance Association of Americn Eric K. Noji, Centers for Disease Control and Prevention Charles Nyce, University of Hartford Paul W. O'Brien, California State University at Stanislnus Robert B. Olshansky, University of Illinois at Urbana-Champaign Robert Olson, Robert Olson Associatcs, Inc. Philip N. Omi, Colorado State University MidlCiel J. O'Rourke, Rensselaer Polytechnic Institute Risa Palm, University of North CarulinCi at Chapel Hill Eve Pnsserini, University of Colorado at Boulder Edward Pasterick, Federal Emergency Manaqement Aqenry Pamela Pate, University of Texas at Austin Robert G. Paterson, University of Texas at Austin Walter Gillis Peacock, Florida International University Ronald Perry, Arizona State University William J. Petak, University of Southern California Jon A. Peterka, Colorado State University Brenda Phillips, Texas Woman's University John C. Pine, Louisiana Stale University Rutherford H. Platt, University of Massachusetts at Amherst Roy S. Popkin, Popkin Associates Kenneth W. Potter, University of Wisconsin at Madison George Rogers, Texas A It M University Richard J. Roth, Jr" California Department of Insurance Richard J. Roth, Sr., Consultant Claire B. Rubin, Claire B. Rubin EtAssociates David Sample, University of Colorado at Boulder Paula Schulz, California Office of Emergency Services Stanley Schumm, Colorado State University James Schwab, American Planning Association Michael S. Scott, University of South Carolina at Columbia William Solecki, Florida State University John H. Sorensen, Oak Ridge National Laboratory Kenneth R. Stroech, Us. Environmental Protection Agency Richard Stuart, Us. Army Corps of Engineers Craig E. Taylor, National Hazards Management, Inc. Deborah S. K. Thomas, University of South Carolina at Columbia John Tietenbachl"r, Southwest Texas State University Kathleen Tieflley, University of Delaware L Thomas Tobin, Tobin and Associates Kenneth C. Topping, Cambria Community Services Department Susan K. Tubbesinq, EarthqLJaki' Enqineering RFsearch Institute hie VanMarcke, Princeton University Barbara Vogt, Oak Ridye National Laboratory Dennis Wenger, Texas AHM University James L. Wesco<Jt, University of Colorado at Boulder French Wetmorr, Frrnch ft Assoriatrs, Ltd. David Whitney, California State University at Long Beach BerryWilliarns, Berry A. Williams ft Associates Leonard T. Wright, University of Colorado at Boulder