Mr. Chairman, I thank the gentleman for yielding me this time and permitting me to speak, and for the hard work he and his committee have invested in this. Mr. Chairman, the area of flood insurance is one that I have been focusing on over…
Mr. Chairman, I thank the gentleman for yielding me this time and permitting me to speak, and for the hard work he and his committee have invested in this.
Mr. Chairman, the area of flood insurance is one that I have been focusing on over the last half dozen years. I was pleased to work with our former colleague, Doug Bereuter, with Chairman Frank and with then- Chairman Oxley on some serious flood insurance reform that predated the most recent disaster with Katrina. During that time, I had a chance to learn a lot about opportunities that the Federal Government has to alter its programs and policies to reduce this long-term exposure, and to think about the redesign of the partnership between the private sector, the State and local governments.
While I appreciate my friend from Mississippi's tenacity in zeroing in on an area of very serious problem dealing with wind damage, and he has documented in great detail the almost impossible situation that many of his constituents and others in the Hurricane Katrina area have faced, I am trying to keep an open mind in terms of how far we go along the lines in terms of expanding it to add wind damage.
I don't think that we have seen the end of this process. I am looking forward to working with my colleague on the legislative process as it moves along. I am deeply concerned that we haven't come to grips with the financing of our flood insurance program. We are looking at upwards of $20 billion, and we are slowly having some actuarial balance added to these programs; but, it still lags. Not only is there a problem of not having actuarial balance to be able to provide the sums that are necessary to maintain this as a self-supporting program, because as it stands now, that is going to be a stretch. It is going to take a long time without serious incident for us to get there.
I am also concerned that we need to do a better job of making sure that the Federal Government and State and local governments aren't putting more people in harm's way. In too many areas we have seen that there has been,
shall we say, reluctance on the part of local authorities and State authorities to be rigorous in making sure that we are not pouring large sums of public investment in areas where it is encouraging people to locate in places where we know there is going to be damage over time.
Last but not least, later in this debate we will be talking about working with FEMA to make some adjustments to take into account global warming, climate change and rising sea levels, because this is an area that is going to compound lax local land use controls and unsteady development processes that is going to end up creating a disaster out of our disaster relief.
I can't say enough about how much I appreciate the committee's willingness to be involved in an area that some think is esoteric, that is sort of mundane, that is sort of too detailed and unexciting. But it is precisely that sort of attention that is going to make us have a stronger program that is going to meet the needs of people and is going to do so in a way that actually helps keep people out of harm's way, which ought to be our ultimate objective.
We ought to make sure that all of these forces save money, save lives and protects the environment. I think this legislation moves in that direction. I look forward to working with the committee as this legislation works its way through the legislative process to better achieve that goal.
Mr. Chairman, I am actually encouraged by some of the common expression that is here. I share some of my friend from Georgia's reservations about where we are getting into with wind coverage. The chairman is right when he noted the focus on restrictions for flood insurance to reduce the problems you are talking about is in the underlying bill. What my good friend from Florida is offering is if you are going to be in this area dealing with wind peril that there is a requirement to discourage elements in the land uses that will not make it worse.
So you are both on the same side. You may want to go further with the wind peril. I am open to that. We are not done with this legislation yet. There are unanswered questions. I agree with you. But in the meantime, acknowledging what the committee has done to narrow the scope with flood insurance peril, which is, I think, extraordinarily positive, and the gentlewoman is speaking out for solid land use, having the natural barriers protected, that will save all of us money.
I am optimistic. If we can talk this through, there are enough elements here that will be good for the environment, good for the taxpayer, and under the leadership of Chairman Frank, I am convinced we can get there before we're done.
Mr. Chairman, I offer an amendment.
Mr. Chairman, I am, in fact, encouraged with some of the discussion that is here today. If we sort of cut through some of the areas where people are cranky, as I understand it, I think we are looking at some broad areas of agreement that, at the end of the day, we are going to have a stronger flood insurance program that will be able to answer some
of these questions. I have an amendment that I think will further strengthen this because, as we learned during Katrina, there is more work to be done to make sure that the flood insurance program is able to fulfill its mission of providing flood insurance and helping communities reduce that flood risk.
Now, I am pleased that the underlying legislation makes some very important reforms to the program that I have been involved with for the last 6 years.
What I propose in this amendment is an adjustment to the legislation to help ensure that FEMA is better prepared for current and future risks and that people have the information that they need to reduce their own risk. The amendment simply requires FEMA to take into consideration the impacts of global warming, current and future, when updating and maintaining flood insurance program rate maps.
The flood insurance maps are significantly outdated; over 75 percent of them are at least 10 years old. Not only are they outdated, but they estimate risk by extrapolating solely from historic loss, as my friend from Louisiana (Mr. Baker) pointed out earlier.
Unfortunately, it looks like the future will bring new weather patterns. A recent report from the Intergovernmental Commission on Climate Change, the leading group of climate scientists from around the world, indicated that, with climate change, future hurricanes will become more intense, with larger peak wind speeds and heavier precipitation. Changes in snow pack and sea level rise will also have a significant impact on flood risk. These impacts are not currently considered in the floodplain map modernization effort.
My amendment will improve upon this mapping program by ensuring that FEMA is prepared to improve the mapping accuracy. It will require the Director to take into consideration the impacts of global warming on flood, storm and drought risk; and take into consideration the potential future impacts of local climate change, weather-related events; and use the best available climate science in assessing flood risks and updating FEMA maps.
Mr. Chairman, I reserve the balance of my time.
Excellent question. Around the world, scientists are a part of this consensus, and we are refining tools. One of the problems with this administration is they've been trying to stifle, as you know, scientists within the administration speaking out on this, and we have undercut investment in these resources.
The fact is that there is better information now for climate change. I have no problem whatsoever of our being able to invest to increase it further, but there is a global scientific consensus, there is investment in NASA, there are already resources within the Federal Government. They are not currently used now by FEMA, the stuff that we've got now, let alone what we're going to have in the future.
As my friend, Mr. Baker, pointed out when he was arguing a few moments ago, they use a different pattern, a different model right now. What we're doing with this legislation is we are requiring them to change the model, use the information that's available right now by the Federal Government, hopefully the Bush administration won't try and stifle it, and use that for forecasting current and prospective. Right now they don't do it in their modeling, and there's no reason why they can't. This legislation would require it.
What we're saying now is that we are in a world that everybody else acknowledges is rapidly changing. It looks like climate change, global warming is a reality, and just using straight-line extrapolation for FEMA to determine 100-year flood plains or 500-year floodplains doesn't work because it is changing much more rapidly than past patterns would expect.
So we ought to use the best available science here and around the world to look at what's likely to happen in the future. FEMA doesn't currently do that. They look at flat-line projections of past activity, not looking at using the best available science for what's going to happen in the future.
Mr. Chairman, may I inquire as to the time remaining.
Let me just take 30 seconds here.
This is something that isn't unknown. GAO found that 11 out of 11 insurance companies that they surveyed already incorporate this into their risk models. FEMA can do this using the private sector, and it can use government data that the Bush administration has been suppressing now in other areas, open it up, let these climate scientists that work in other parts of the government advise FEMA, or contract with the private sector. It's not hard to find the information.
In conclusion, Mr. Chairman, I understand the reticence that my good friend from Georgia would have giving the current administration of FEMA more tools. I'm sorry he's beating up on the administration, but I understand it. They haven't shown that they're very adept. But think of this as longer-term legislation. There will be a new administration; there will be professionals who are there. The point is that, whoever is there, they need to use the most up-to-date, modern information to think about what's going on in the future.
The science is already available in parts of the Federal Government right now that could be used. The information is available that the private sector is already using. All this amendment says, notwithstanding that I share your concern about who's running it now, but that will change, I guarantee you, that when it changes, and even until it changes, we can give them a mandate to look at the bigger picture and factor climate change in. And I am open to working with the gentleman in terms of whether it's contracted, or it's Federal information, or it's from other international sources. The point is they currently do not do it; we haven't instructed them to do it. This is one thing we can't blame on the inept FEMA administration; it's something that Congress needs to change. And with your help, we can approve this amendment, we'll change their marching orders, we will have the big picture, and it's one of these things we can agree on, work on together, and we will all be better off.
I urge approval of the amendment.