To mitigate flood risk in residential risk areas, property owners and residents are encouraged to consider flood insurance and floodproofing or other protective measures.

What does that mean to a community? A lot of communities have passed an ordinance that has been drafted by FEMA.

There was no doubt that there was going to be a strong motivation on the part of our parishes to at least look into the validity of those V Zone designations.

I think what troubles me about this is there is not a very big change.

Thank you, Madam Chairman. I will go ahead and introduce this panel as our staff sort of swaps out the nameplates and resets the microphones, etc.

If someone is in the Shaded Zone X area and they decide to buy insurance...how is that premium set?

What we are going to do is we are going to leave the record open here for 15 days.

OK. Well, you all have been great.

Do you know when you will find out how that is going to be resolved?

I do have a lot more questions, but I don't want to intrude on my colleagues' time, so I may just submit those for the record.

We can play the blame game all we want on this, but the bottom line is, right now, there are lots and lots of locally owned levees that need a lot of work.

I think you are touching on something that FEMA can't fix right now, or no one else can fix right now except the Congress.