HARRISON A. WILLIAMS, JR., New Jersey, Chairman

WILLIAM PROXMIRE, Wisconsin
EDMUND S. MUSKIE, Maine
EDWARD V. LONG, Missouri
WALTER F. MONDALE, Minnesota
WILLIAM B. SPONG, JR., Virginia

II

WALLACE F. BENNETT, Utah
BOURKE B. HICKENLOOPER, Iowa
EDWARD W. BROOKE, Massachusetts

WITNESSES

MONDAY, JUNE 26

Hon. Hale Boggs, U.S. Representative from the State of Louisiana_

Hon. Robert C. Wood, Under Secretary, Department of Housing and

Urban Development, accompanied by Thomas C. McGrath, General

Counsel; R. Otto Meletzke, legislative attorney; Mortimer Kaplan,

actuarial expert; and Henry Schechter, Director of Office of Economic

and Market Analysis.

Hon. Howard W. Pollock, U.S. Representative from the State of Alaska__

Frank E. Clarke, Geological Survey, Department of Interior, accompanied

by Walter Langbein....

Robert F. Shea, vice president, American National Red Cross..

TUESDAY, JUNE 27

Hon. James J. Howard, a Representative in Congress from the State of

New Jersey-

Donald H. Garlock, second vice president, Travelers Insurance Cos.,

accompanied by William O. Bailey, vice president, Aetna Life & Casualty,

and DeRoy C. Thomas, general counsel, Hartford Insurance Group---

Wallace M. Smith, American Mutual Insurance Alliance, accompanied

by Harold W. Walters, executive secretary, National Association of

Mutual Insurance Cos., and F. A. Holderman, manager, Legislative

Bureau, American Mutual Insurance Alliance..

Vestal Lemmon, general manager, National Association of Independent

Insurers, accompanied by Arthur Mertz, general counsel, and P. G.

Buffinton, chairman, Flood Insurance Committee...

Neil D. Coates, National Association of Insurance Agents, accompanied by,

Morton V. V. White, vice chairman, Federal Affairs Committee..

WEDNESDAY, JUNE 28

Hon. George A. Smathers, U.S. Senator from the State of Florida..

Hon. Robert L. F. Sikes, a Representative in Congress from the State of

Florida..

Hon. E. L. Bartlett, U.S. Senator from the State of Alaska.

Broward Williams, chairman, Property and Casualty Subcommittee,

National Association of Insurance Commissioners___

Hon. Claude Pepper, a Representative in Congress from the State of

Florida___.

127, 128

Ned Price, member, State board of insurance, State of Texas..

Dudley Guglielmo, insurance commissioner, State of Louisiana..

John F. Bolton, Jr., director of insurance, State of Illinois_-_

Howard Clark, chief deputy insurance commissioner, State of South

Carolina....

132

135

136

136

III

Gayle R. Voller, supervisor, Property & Liability Division, State f

Nebraska...

T. Lawrence Jones, president, American Insurance Associatepar

panied by John F. Neville, vice president.-.

Hon. Ralph James, mayor, Wildwood, N.J.

Hon. Frank H. Rowland, mayor, Asbury Park, N.J.

Hon. B. Thomas Waldman, mayor, Ocean City, N.J

Hon. David J. P. Bentz, mayor, Seaside Heights, N.J.

Charles L. Rue, member, executive committee, National Association of

Mutual Insurance Agents, accompanied by William A. Stringfellow,

general manager.

Ellie H. Schill, chairman, Committee on Federal Flood Insurance, Nation.'

Association of Homebuilders, accompanied by Joseph B. McGrath,

legislative counsel_ _ _.

ALPHABETICAL LIST OF WITNESSES

Bailey, William O., vice president, Aetna Life & Casualty. -

Bartlett, E. L., U.S. Senator from the State of Alaska...

Bentz, David J. P., mayor, Seaside Heights, N.J..

Boggs, Hale, U.S. Representative from the State of Florida_

Bolton, John F., Jr., director of insurance, State of Illinois_

Buffinton, P. G., chairman, Flood Insurance Committee, National Associa-

tion of Independent Insurers. -

Page

137

139

145

147

151

153

15

158

65

102

153

3

136

92

Clark, Howard, chief deputy insurance commissioner, State of South

Carolina___

136

Clarke, Frank E., Geological Survey, Department of Interior_

Coates, Neil D., National Association of Insurance Agents__

47

97

Garlock, Donald H., second vice president, Travelers Insurance Co----

Guglielmo, Dudley, insurance commissioner, State of Louisiana___.

Holderman, F. A., manager, legislative bureau, American Mutual Insurance

Alliance.

65

135

82

Howard, James J., Representative from the State of New Jersey.

James, Ralph, major, Wildwood, N.J...

61

145

Jones, T. Lawrence, president, American Insurance Association_.

139

Kaplan, Mortimer, actuarial expert, Department of Housing and Urban

Development.

9

Langbein, Walter...

47

Lemmon, Vestal, general manager, National Association of Independent

Insurers--

92

McGrath, Joseph B., legislative counsel, National Association of Home-

builders

158

McGrath, Thomas C., General Counsel, Department of Housing and Urban

Development..

9

Meletzke, R. Otto, legislative attorney, Department of Housing and Urban

Development..

9

Mertz, Arthur, general counsel, National Association of Independent

Insurers

92

Neville, John F., vice president, American Insurance Association.

Pepper, Claude, U.S. Representative from the State of Florida..

139

127

Pollock, Howard W., U.S. Representative from the State of Alaska....

Price, Ned, member, State board of insurance, State of Texas_

Rowland, Frank H., mayor, Asbury Park, N.J..

20

132

147

Rue, Charles L., member, executive committee, National Association of

Mutual Insurance Agents. -

155

Schechter, Henry, Director of Office of Economic and Market Analysis.

Schill, Ellie H., chairman, Committee on Federal Flood Insurance, Na-

tional Association of Homebuilders.

9

158

Shea, Robert F., vice president, American National Red Cross-

Sikes, Robert L. F., U.S. Representative from the State of Florida-

Smathers, George A., U.S. Senator from the State of Florida..

Smith, Wallace M., American Mutual Insurance Alliance__

56

102

101

82

Stringfellow, William A., general manager, National Association of Mutual

Insurance Agents-

Thomas, DeRoy C., general counsel, Hartford Insurance Group-

Voller, Gayle R., supervisor, Property and Liability Division, State of

Nebraska..

Waldman, B. Thomas, mayor, Ocean City, N.J.

155

65

137

151

Walters, Harold W., executive secretary, National Association of Mutual

Insurance Cos...

Page

82

White, Morton V. V., vice chairman, Federal Affairs Committee, National

Association of Insurance Agents..

97

Williams, Broward, chairman, Property and Casualty Subcommittee, Na-

tional Association of Insurance Commissioners...

Wood, Robert C., Under Secretary, Department of Housing and Urban

Development. - -

MISCELLANEOUS STATEMENTS AND DATA

American Insurance Association, statement of...

American Mutual Insurance Alliance, statement of..

American National Red Cross, prepared statement of Robert F. Shea,

vice president__.

Asbury Park, N.J., statement of mayor.

Clausen, Don H., U.S. Representative from the State of California, state-

ment of..

Comparison of HUD and NAIC bills.

Continental Insurance Co.:

Letter to Senator Williams_.

Statement of Joseph F. Murphy..

Delaware River Basin Commission, letter to Senator Williams_

Flood insurance under the laws of foreign countries:

106

9

139, 141

Japan.

New Zealand.

Spain__.

Florida, State of, Treasurer's Office, letter statement to Senator Williams_

Housing and Urban Development, Department of:

Charts showing flood frequency and property damage_

Insurance industry personnel and State insurance commissioners who

participated in flood insurance discussions_

Letter to Senator Williams_

Memorandum on the constitutionality of the flood insurance program

proposed under the provisions of S. 1985--

Memorandum on the tentative estimated costs of the flood insurance

program proposed under S. 1985_

Memorandum on the funding for disaster studies under section 402.

Preliminary estimates of flood damage in 1967 floods, additional

data__

Wood, Robert C., portion of statement submitted for the record___.

Illinois State Director of Insurance, statement of..

Interior, Department of:

Clarke, Frank E., complete prepared statement_

Letter to Senator Sparkman__

John S. McGuinness Associates, statement submitted to the committee...

Jones, Bennett G., Department of Commerce, statement submitted to the

committee..

Jones, T. Lawrence, president of American Insurance Association, state-

ment of

Journal of Homebuilding:

141

Article in October 1965 edition entitled "Hurricane Betsy Moves

Out-Builders Move-In".

163

Article in April 1965 edition entitled "Blackfield Leads Restoration

Work for Flood-Ravaged Community".

165

Justice, Department of, letter to Senator Sparkman from the Attorney

General of the United States__

247

Long, Edward V., U.S. Senator from the State of Missouri, statement of__

Louisiana State Insurance Commission, statement of __

2

135, 256

Luce, Charles F., Acting Secretary of the Interior, letter to Senator

Sparkman..

246

Murphy, Joseph F., vice president and counsel, Continental Insurance

Co.:

Letter to Senator Williams_ .

250

Statement submitted to the committee_-

250

National Association of Home Builders, statement of Ellie H. Schill,
Chairman, Committee on Federal Flood Insurance...

158

National Association of Independent Insurers, statement of Vestal

Lemmon, general manager_-_-

Page

92

National Association of Insurance Agents, statement of ___

National Association of Insurance Commissioners, statement of Broward

Williams, Chairman, Property and Casualty Subcommittee-.

National Association of Insurance Commissioners, report to, by the Sub-

committee on Flood and Related Disasters Insurance

National Association of Mutual Insurance Agents, statement of
National Ready Mixed Concrete Association, statement submitted to the
committee_.

97

106

111

155

253

Nebraska State Supervisor, Property and Liability Division, statement of. 137, 256

Ocean City, N.J., statement of mayor...--

151

Pepper, Claude, U.S. Representative from the State of Florida, state-

ment of..

128

Proposed Association of Flood Insurers, organization committee of

Seaside Heights, N.J., statement of mayor.

Price, Ned, member, State Board of Insurance, State of Texas, statement

of, on behalf of Texas State Board of Insurance..

Shea, Robert F., vice president of the American National Red Cross,

statement of..

132

71

153

59

Shieley, Robert C., statement submitted on behalf of the National Ready

Mixed Concrete Association__

253

Smith, Fred B., General Counsel, Treasury, letter to Senator Sparkman__

South Carolina State Insurance Commission:

245

Statement of___

136

Letter statement to Senator Williams.

257

Federal disaster loans, 1955–66...--

Tables:

Estimates of dwellings in the 6 zones of flood frequency, 1966---

Office of Emergency Planning, disaster aid under Public Law 875,

1955-66-

Tennessee Valley Authority, letter statement to Senator Williams.

Texas State Board of Insurance, statement of ......

Travelers Insurance Co., statement of Donald H. Garlock, second vice

president.

44

44

44

245

133

65

Upper Mississippi Waterway Association, letter to Senator Williams-

Wildwood, N.J., statement of mayor

254

145

Wright, James F., letter to Senator Williams_.

251