those with flood insurance will get taken care of. without insurance, fema will be there for you to help you no matter what. >> and i hate to get back to funding issues. it's what you have to do. these are the resources you use. policy holders and their premiums were supposed to pay for this and the ongoing help that groups like fema and many balked at that. i know it wasn't long ago that the man that headed fema during the obama administration had said, it's damn near impossible for the program not to lose money in that kind of environment i it puts you on defense, doesn't it? >> it does. we need to put the program on firm financial footing. in other words to do that, we need risk adjusted rates and an affordability program.