The gap between the rich and poor continues to grow, and middle class families are struggling to make ends meet. Many can't afford health insurance, let alone homeowner's, renters' or flood insurance. Congress must begin to take into consideration all the needs of our constituents, especially low-income families, during natural disasters. It is my hope that through the GAO study, we can set the stage to provide low-income families living in flood prone areas with discounted flood insurance.