Mr. Chairman, I offer an amendment. Mr. Chairman, I yield myself as much time as I might consume. Mr. Chairman, this amendment has the potential actually to impact millions of property owners, millions of them, property owners that live…
Mr. Chairman, I offer an amendment.
Mr. Chairman, I yield myself as much time as I might consume.
Mr. Chairman, this amendment has the potential actually to impact millions of property owners, millions of them, property owners that live on, near or around the Upper Great Lakes, which is essentially everything in the Great Lakes Basin upstream from Niagara Falls. So Lake Superior, Lake Michigan, Lake Huron, Lake Erie, Lake St. Clair, and then the rivers of Saint Mary, the Saint Clair River, the Detroit River and the Niagara River.
Mr. Chairman, FEMA is currently engaged in doing what the Congress directed them to do, and that is to update and to modernize flood maps across the entire Nation. And I certainly recognize that with new technology, we can and we should update the maps to convert them into a user-friendly digital format which will account for property development and growth as well as changes in topography. So I certainly want to make clear that I support authorizing funds so that this important work continues.
However, I do believe that property owners on the Upper Great Lakes are being treated unfairly by this process, because I can show over and over and over again how these property owners, who very rarely flood nor have the potential to flood, are actually being abused by the National Flood Insurance Program. Just those in the current floodplain are already paying in substantially more in premiums than they will ever, ever receive in claims out. And now FEMA wants to include more. And they want more.
Mr. Chairman, I would submit that if any private insurance company was trying to get away with this, the State insurance commissioners in the Great Lakes States would be revoking their licenses to sell insurance. Let me just give you one example: in regards to FEMA's proposal for remapping in the Great Lakes region they are basing raising the base flood elevation an additional 14 inches, they say to accurately reflect the risk of flooding.
But this is predicated on data from 1988. This was 2 years after the absolute high recorded rate levels for the Great Lakes ever. And during that time, none of the new properties FEMA is talking about bringing into the floodplain actually flooded, nor was it in danger of flooding.
Since that time, in Lake St. Clair alone, the lake levels have dropped over 3 feet and they are now, it is now almost 5 feet below the current flood elevation. And most importantly, if you really want to look at historic averages, the lake level has only changed an average depth of less than 6 inches per year. Yet, if FEMA goes ahead with their proposal, the new base flood elevation will be 6 feet above the current lake levels. And for the lake levels to rise that much, I think that the polar ice caps would probably have to melt next year. And I don't believe even Al Gore is predicting something like that.
Mr. Chairman, the amendment simply asks for FEMA to do no more harm, to keep their status quo on the Great Lakes property owners and base their new maps on updated data.
My amendment would require that the Army Corps of Engineers would
have to wait until they have the results of a 5-year study, which is currently being undertaken by the International Joint Commission, the IJC. I believe they are 2 years into their 5-year study. This will be the most comprehensive lake level study completed. And certainly we can all agree that using sound science when literally hundreds of millions of dollars are about to be assessed against American property owners is the most prudent course of action. I would urge my colleagues to support the Miller amendment.
Mr. Chairman, I reserve the balance of my time.
Mr. Chairman, I appreciate the arguments opposed to my amendment. I did not say that we never thought that the lake levels would ever rise or that we would flood. Obviously, I think there are a lot of factors that go into the lake levels rising. You have factors that are manmade, like the Chicago diversionary canal. You have got the Sault Locks. You have got the St. Laurence Seaway. The biggest factor has nothing to with man, and that is God. God makes the lake levels go up and down, I think.
But I would say this: I think this is an issue of financial fairness. I really do believe that. And the brutal reality is that FEMA actually needs more money to pay for all these flood insurance claims that they have had in recent years. Let me just cite this statistic, and let me ask anyone to tell me with a straight face that it is fair and equitable: between 1978 and 2002, there were 10 States that received more in claims than what they paid in policies, in fact, over $1.5 billion more. And the average premium for policyholders in those States was $223.
Michigan, on the other hand, paid almost $120 million more into the program than it received back in claims. Yet the average premium for our policyholders was $260. And this is a common element in all of the Great Lakes States, the same States that are paying year after year after year, decade after decade, much more than others. And I think they are being taken advantage of by the flood insurance program.
Again, I would urge my colleagues to support the Miller amendment. This is a good bill. I think my amendment makes a good bill better.
Mr. Chairman, I demand a recorded vote.