I move to strike the last word. I stand in support of my colleague from Ohio. Part of being a legislator and part of having the responsibility of being elected to this body and representing people back home is you have the use of the tools…
I move to strike the last word.
I stand in support of my colleague from Ohio.
Part of being a legislator and part of having the responsibility of being elected to this body and representing people back home is you have the use of the tools that are in front of you to accomplish the goals that you need to accomplish. As we stress regular order and as we talk about the Judiciary Committee, right now, today--right here on the floor of this House--we have the ability as Congressmen to make a difference for a family whose hero was killed. We know who the perpetrator is, and nothing is being done about it.
So I share in my colleague's frustration, and I yield to the gentleman from Ohio (Mr. Ryan).
I yield back the balance of my time.
Mr. Chairman, I move to strike the last word.
Back home, I've talked to thousands of my constituents and had thousands of my constituents talk back to me, scream back to me, and cry in my arms because of the impact of this legislation. Right now what they're facing is a double whammy when it comes to flood insurance. They face the likelihood of higher rates and incorrect flood maps.
FEMA has drafted new maps that completely ignore the facts on the ground. The maps disregard nonstructural features, like marshland and forest and our investment into restoring our coast. It also ignores the investment and sacrifices by locals to build their own levees. These communities are investing in their own safety, in their own security, and FEMA should recognize that.
In many of these communities, like the west side of St. Charles Parish, the levees are more than 100 years old, and many of these communities have not flooded in 100 years. If that's not 100-year flood protection, I don't know what is.
You see, for too long, the National Flood Insurance Program wasn't on stable footing. Since the last long-term authorization expired in 2008, we had to pass nine short-term extensions. During that time, the program lapsed five times. The last time, in June of 2010, approximately 47,000 home sales were delayed or canceled.
Due to the leadership of my colleague, Representative Waters, last July we passed the Biggert-Waters Flood Insurance Reform Act. The bill put the program on stable footing for 5 years, but the rate increases FEMA has quoted are astronomical and unintended. Homeowners who played by the rules and built their homes according to the guidelines in place are being told that their insurance is going to go up hundreds of percent. What is even more shocking is that many of these homes have never flooded.
For instance, a homeowner in St. Charles Parish, Louisiana, who was paying $338 per year for flood insurance will now have to pay $23,000 per year with new maps. Another homeowner in the same town will go from $365 to $28,000 per year.
If this stands, people will be forced to give up their homes, burdening the banks and killing the real estate markets. We cannot, in good conscience, stand here and let this law force people to give up their homes, to give up on the American Dream and destroy hardworking, taxpaying citizens. these taxpayers depended on and followed the rules and lost. We cannot turn our backs on them.
I have a bill that will fix much of this without a score, and I'm proud that Representative Waters and the entire Louisiana delegation have signed on. The homebuilders and the Realtors support this amendment and my bill.
This amendment would give homeowners immediate relief. Therefore, I urge you to join me in supporting this amendment so that we can fix these issues while keeping the National Flood Insurance Program on sure footing and make sure that we don't leave hardworking families across the Nation on their own. Because, as we come here and do things in theory, a lot of times we miss what happens in reality and what's on the ground; and if the we don't change this law, reality is going to set in and people are going to lose their homes. They won't be able to sell them, and we will create another disaster of national proportion with unintended consequences that we never tried to do.
I ask that we support my colleague in this amendment, and I yield back the balance of my time.
Mr. Chairman, we've heard talk about if we believe in regular order. Some of us believe in regular order--most of us believe in regular order--but I think everybody in this body believes in homeownership, and the fact that it's your biggest, safest investment; you pass it down generation to generation. And those people who work, sacrifice, save money to buy a home--we ought not change the rules in the middle of the game with a system that's dysfunctional, it doesn't work. But at the same time, we say that we value the sanctity of homeownership and the American Dream.
So what we're asking here today is that we just back up a little bit. Because part of what leadership does is that sometimes you make a decision that has consequences that weren't foreseen or that are not ready to be implemented. But the true sign of leadership is that you back up and say, let's get it right, not let's do it just for the sake of doing it because we were already going down that road--when it's the wrong road.
The biggest question is: What message are we going to send to those people in New York, Louisiana, and all of those red dots on the map that Representative Cassidy had, what message are we sending to them? Yes, you saved to buy a home. Yes, you pay your insurance. But now we're going to raise your insurance so high you can't afford that home anymore. What are they to do, walk away from the home? Now it's on the banks, now it's on the community. We have more blighted property. That's not what we should do as a body representing the people, representing our constituents.
I would just say that it's not wrong, it's not unusual, and it's a strong sign of leadership to say, hey, we may have gotten this one wrong. Let's review it. Let's make sure we're being fair. And let's make sure that we protect the American Dream as Congress people. So that's all I'm asking.
With that, Mr. Chairman, I would just re-urge my colleagues to support the amendment.