Flood Insurance Reform Act Of 2003
Mr. Speaker, I rise today in opposition to this bill. In these waning hours of the first session of the 108th Congress, it is absolutely true that we need to reauthorize the National Flood Insurance Program, which is due to expire at the…
Mr. Speaker, I rise today in opposition to this bill.
In these waning hours of the first session of the 108th Congress, it is absolutely true that we need to reauthorize the National Flood Insurance Program, which is due to expire at the end of this year. However, this is not the bill with which to do so.
I should note that there is much in this bill that I support. As an example, this bill will offer a multi-year reauthorization, which will definitely help with municipal planning. But, this bill could harm many of my unfortunate constituents in Southern West Virginia who have already suffered so much in flood damage over the last several years. They already have to buy flood insurance, in the first place. Now, their burden is going to be increased, again, under this proposal.
Under the pilot program, which I fear may wind up covering too many of my constituents, this bill will disallow more than four separate claims payments under flood insurance if the amounts exceed $3,000 each or just $15,000 in total. If an individual exceeds these limits, as many of my constituents may, they could be forced to accept mitigation. At worse, mitigation means having to move to a new residence or else face increased insurance premiums that many of my constituents just can't afford.
Mr. Speaker, my constituents in West Virginia who are suffering disaster aren't people who are losing beachfront vacation homes. These are people who are losing their livelihoods. Many of them live in homes built long before flood risks were even known, and their land is sacred to them. For many, their properties have been in the family for generations, and being told that you have to move is not consolation.
Southern West Virginia has suffered massive, unpreventable, and unanticipated flooding since 2001. The U.S. Geologic Survey said the 2001 flooding in the cities of Pineville and Mullens, West Virginia even exceeded the 100-year flood level, the estimated maximum expected to occur in a 100-year period, as the Guyandotte and Tug Rivers rose to record levels. The Governor's helicopter actually had to be used to rescue people off of rooftops.
In McDowell County, we actually experienced two different 100-year floods in consecutive years.
We have even experienced two floods just this week due to the severe weather conditions. The most recent storm damaged more homes and businesses across the region, and caused Governor Bob Wise to extend a state of emergency to 29 counties, many of which are in my district.
Mr. Speaker, I have been working tirelessly with the U.S. Army Corps of Engineers, the Appalachian Regional Commission, and state and local authorities to combat our flood damage while seeking to prevent future flooding. I have even worked with the U.S. Library of Congress to replace books, electronic employment, and furniture destroyed at the McDowell Public Library. In addition, we are updating flood maps in the region to be able to better gauge where future flooding would be likely to occur.
But, my constituents can't hold back the weather, and they need relief. Unfortunately, this bill, instead, seeks to limit that relief and maybe even force some West Virginians to have to surrender their dearly-held property.