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City San Francisco / Houston / Miami / New York City / / Company Baldwin Mutual Insurance Company / AIR Worldwide / / Country United States / / Currency USD / / Event Natural Disaster / / Facility Insurance Information Institute / / IndustryTerm Risk-based insurance pricing / insurance can / insurance contract / insurance markets / insurance pricing mechanism / earthquake insurance / insurance costs / property/casualty insurance / market-based insurance pricing system / property/casualty insurance premium / risk management / flood insurance / insurance price regulation / casualty insurance association / insurance market / natural disaster risk management / purchase insurance / flood insurance coverage / insurance availability / / Organization National Association of Mutual Insurance Companies / Congress / Insurance Information Institute / Congressional Budget Office / Association’s Task Force on Natural Disasters / / Person Tim Russell / Ney / Foley / / Position Chairman / President / single-state writer / Mayor of Foley / Good afternoon Chairman / / ProvinceOrState Alabama / Florida / / Region southern Alabama / / SocialTag 
Good afternoon Chairman Ney, Ranking Member Waters, and members of the Committee. My name is Tim Russell, and I am pleased to testify today on behalf of the National Association of Mutual Insurance Companies regarding th