At Petersburg, there is little question that the wisest approach to present and future flooding problems would be one that would seek to give reasonable protection to the development already on the flood plain but at the same time deter further construction unless it is floodproofed or houses activities that find a flood plain location so advantageous as to be well worth the risk. In currently available terms, this could be accomplished most feasibly and at the least net expenditure--though not, under present policy, as cheaply to the community itself as by the Royal Glen dam, and not without some notable changes in the town's landscape--by combining a levee system around present development with rigid zoning of the unoccupied part of the flood plain, or its acquisition as parkland. [Illustration] Another approach that may shortly be possible was suggested by the President's Task Force and is the subject of legislation proposed to Congress by the Department of Housing and Urban Development. Under this legislation, owners of existing flood plain residences and small businesses would be given a chance to buy Federally subsidized insurance against flood damages at reduced rates, while new construction in flood hazard areas would be subject to rates based on the full true risk involved. After 1970, under this proposed legislation, such insurance could be sold only in areas with enforceable codes and ordinances or other measures for sound flood plain management. Such a program could go a long way toward eliminating casual and expensive flood plain clutter, if it were backed up by adjustments in other phases of Federal flood control policy that would similarly place a share of any protective costs where they belong, and hence give an additional strong nudge to citizens and local and state governments to bring the situation into balance. At Washington, because a high proportion of the flood plain on both shores is in Federal ownership and the use it is put to is determined by Federal agencies, Executive Order 11296 has special relevance in forestalling future increases in the amount of flood damage. Existing damages in the whole urban area are estimated to average $1.4 million each year. The most damaging flood in the metropolis' history occurred in March of 1936, and if a flood of the same dimensions were to strike today, it would cause estimated damages of about $21 million. These are not small figures, though if they are considered in the light of the area's population and extent and the total value of construction there, they seem less formidable. Obviously the threat of damages of this magnitude must be dealt with, but just as obviously as at Petersburg, the manner chosen for dealing with them should not be allowed to stimulate unwise flood plain construction that would lead to still greater longterm damages.